Side-by-side · Q2 2026 data
The Ohio Valley Bank Company vs The Union Bank Company
Metric by metric
| Measure | The Ohio Valley Bank Company | The Union Bank Company |
|---|---|---|
| TellerScore | 54 | 74 (stronger) |
| Capital cushion | 47 | 58 (stronger) |
| Loan quality | 52 | 96 (stronger) |
| Earnings | 55 | 57 (stronger) |
| Funding & liquidity | 50 | 74 (stronger) |
| Problem-loan coverage | 80 | 99 (stronger) |
| Peer percentile | 12th | 74th |
| Total assets | $1.6B | $1.4B |
| Deposits / shares | $1.4B | $1.2B |
| Capital ratio | 9.73% | 10.78% (stronger) |
| Problem loans | 1.45% | 0.12% (stronger) |
| Net charge-offs | 0.06% | 0.02% (stronger) |
| Return on assets | 0.89% | 0.92% (stronger) |
| Loans ÷ deposits | 86.2% | 71.7% (stronger) |
| Uninsured deposits | 36.6% | 28.2% (stronger) |
| Offices | 14 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | 11.5% |
The Union Bank Company has the higher TellerScore (74 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 Union Bank Company on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.