The Ohio Valley Bank Company (FDIC certificate #384) is based in Gallipolis, Ohio. Its Q2 2026 call report shows $1.6B in total assets and $1.4B in deposits and 16 offices across 2 states.
The Ohio Valley Bank Company has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 147th. Problem-loan coverage contributes the most (80/100, 9.8%); capital cushion contributes the least (47/100, 9.73%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 13 points (67 → 54), mostly because the loan quality component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 65 |
| Q4 2024 | 64 |
| Q1 2025 | 67 |
| Q2 2025 | 67 |
| Q3 2025 | 67 |
| Q4 2025 | 56 |
| Q1 2026 | 55 |
| Q2 2026 | 54 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.48% |
| Q3 2024 | 10.25% |
| Q4 2024 | 9.92% |
| Q1 2025 | 10.13% |
| Q2 2025 | 10.27% |
| Q3 2025 | 10.18% |
| Q4 2025 | 10.10% |
| Q1 2026 | 10.06% |
| Q2 2026 | 9.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.42% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.45% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.79% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.15% |
| Q3 2025 | 1.05% |
| Q4 2025 | 1.03% |
| Q1 2026 | 1.02% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $1.6B | 9.73% | 1.45% | 0.89% | 86.2% |
| Q1 2026 | 55 | $1.7B | 10.06% | 1.64% | 1.02% | 83.3% |
| Q4 2025 | 56 | $1.6B | 10.10% | 1.40% | 1.03% | 87.8% |
| Q3 2025 | 67 | $1.6B | 10.18% | 0.42% | 1.05% | 82.8% |
| Q2 2025 | 67 | $1.5B | 10.27% | 0.44% | 1.15% | 84.2% |
| Q1 2025 | 67 | $1.5B | 10.13% | 0.48% | 1.11% | 79.3% |
| Q4 2024 | 64 | $1.5B | 9.92% | 0.46% | 0.79% | 81.3% |
| Q3 2024 | 65 | $1.5B | 10.25% | 0.44% | 0.84% | 81.1% |
| Q2 2024 | 65 | $1.4B | 10.48% | 0.50% | 0.84% | 86.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The State Bank and Trust CompanyBank Defiance, OH | 70 out of 100, Strong | $1.6B | 10.0% | 0.30% | vs |
| The Vinton County National BankBank Mcarthur, OH | 73 out of 100, Strong | $1.6B | 10.5% | 0.27% | vs |
| Main Street Bank Corp.Bank Wooster, OH | 67 out of 100, Moderate | $1.6B | 9.2% | 0.66% | vs |
| Sutton BankBank Attica, OH | 77 out of 100, Strong | $1.7B | 10.0% | 0.02% | vs |
| Waterford Bank, N.A.Bank Toledo, OH | 66 out of 100, Moderate | $1.8B | 10.4% | 0.68% | vs |
| The Union Bank CompanyBank Columbus Grove, OH | 74 out of 100, Strong | $1.4B | 10.8% | 0.12% | vs |
Deposit insurance
Is my money safe at The Ohio Valley Bank Company?
Yes. The Ohio Valley Bank Company is an FDIC-insured institution (FDIC certificate #384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.6% of deposits ($517.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
16 locations
Branches
The Ohio Valley Bank Company lists 14 offices in 11 cities across 2 states. Most locations:
- Gallipolis, OH (4)
- Barboursville, WV (1)
- Ironton, OH (1)
- Jackson, OH (1)
- Mason, WV (1)
- Milton, WV (1)
- Oak Hill, OH (1)
- Point Pleasant, WV (1)
- Rio Grande, OH (1)
- Waverly, OH (1)
- Wellston, OH (1)
HMDA 2025
Mortgage lending
In 2025, The Ohio Valley Bank Company reported 364 home-loan applications under HMDA (LEI 549300JQGT4VX22XJ495): 328 originated ($94,600,000 total), 18 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Ohio Valley Bank Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 384
- RSSD ID
- 498317
- Primary regulator
- FED
- Holding company
- Ohio Valley Banc Corp
- Established
- January 1, 1872
- Headquarters
- 420 3rd Ave, Gallipolis, OH 45631
- Website
- www.ovbc.com
- Employees
- 231
Quick answers
The Ohio Valley Bank Company: common questions
Is The Ohio Valley Bank Company FDIC insured?
Yes. The Ohio Valley Bank Company is an FDIC-insured institution (FDIC certificate #384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Ohio Valley Bank Company's TellerScore?
54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Ohio Valley Bank Company ever failed?
There is no failure record for FDIC certificate #384 in the FDIC failed bank list.
How many branches does The Ohio Valley Bank Company have?
16 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Gallipolis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Putnam School Employees Federal Credit UnionCredit union Eleanor, WV | 99 out of 100, Very strong | $14.1M | 21.0% | 0.14% | vs |
| Kyger Creek Credit UnionCredit union Cheshire, OH | 84 out of 100, Strong | $20.9M | 18.9% | 0.60% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| Peoples Federal Credit UnionCredit union Nitro, WV | 68 out of 100, Moderate | $130.6M | 16.5% | 2.19% | vs |
| Twin Oaks Federal Credit UnionCredit union Apple Grove, WV | 68 out of 100, Moderate | $6.6M | 12.4% | 0.60% | vs |
| Peoples BankBank Marietta, OH | 67 out of 100, Moderate | $9.5B | 9.7% | 0.60% | vs |