Side-by-side · Q2 2026 data
The Ohio Valley Bank Company vs The State Bank and Trust Company
Metric by metric
| Measure | The Ohio Valley Bank Company | The State Bank and Trust Company |
|---|---|---|
| TellerScore | 54 | 70 (stronger) |
| Capital cushion | 47 | 50 (stronger) |
| Loan quality | 52 | 90 (stronger) |
| Earnings | 55 | 67 (stronger) |
| Funding & liquidity | 50 | 63 (stronger) |
| Problem-loan coverage | 80 | 95 (stronger) |
| Peer percentile | 12th | 58th |
| Total assets | $1.6B | $1.6B |
| Deposits / shares | $1.4B | $1.4B |
| Capital ratio | 9.73% | 10.00% (stronger) |
| Problem loans | 1.45% | 0.30% (stronger) |
| Net charge-offs | 0.06% | 0.04% (stronger) |
| Return on assets | 0.89% | 1.17% (stronger) |
| Loans ÷ deposits | 86.2% | 84.3% (stronger) |
| Uninsured deposits | 36.6% | 26.6% (stronger) |
| Offices | 14 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | 9.9% |
The State Bank and Trust Company has the higher TellerScore (70 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Ohio Valley Bank Company leads on 0 and The State Bank and Trust Company on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.