Ohio Valley Bank Co (FDIC #384): Bank Stress & Real-Estate Credit Exposure
Ohio Valley Bank Co (FDIC Cert #384): bank stress 73/100, elevated, STABLE over 7 days; parent OHIO VALLEY BANC CORP (OVBC).
Ohio Valley Bank Co (#384) lends in 6 counties across 2 states; Ohio Valley Bank Co (#384) reaches 71 ZIP codes: Ohio 4 counties, 40 ZIPs; West Virginia 2 counties, 31 ZIPs.
Ohio Valley Bank Co (#384) largest markets: Mason County, WV (57 branches, 19 ZIPs) (#384), Lawrence County, OH (14 branches, 14 ZIPs) (#384), Cabell County, WV (28 branches, 14 ZIPs) (#384), Pike County, OH (13 branches, 13 ZIPs) (#384), Gallia County, OH (72 branches, 12 ZIPs) (#384), Jackson County, OH (33 branches, 11 ZIPs) (#384).
Ohio Valley Bank Co (#384) reports $1.65 billion in total assets; Ohio Valley Bank Co (#384) equity $165.4 million (10.0% of Ohio Valley Bank Co (#384) assets); Ohio Valley Bank Co (#384) domestic deposits $1.41 billion; Ohio Valley Bank Co (#384) net income $7.2 million; Ohio Valley Bank Co (#384) return on assets 0.89%; Ohio Valley Bank Co (#384) return on equity 8.81%; Ohio Valley Bank Co (#384) net interest income $29.3 million; Ohio Valley Bank Co (#384) call report June 30, 2026.
Ohio Valley Bank Co (#384) noncurrent real-estate loans 0.03% of its book; Ohio Valley Bank Co (#384) residential 0.04%; Ohio Valley Bank Co (#384) net charge-offs on real estate 1.67%; Ohio Valley Bank Co (#384) residential charge-offs 4.63%.
Ohio Valley Bank Co (#384) net interest margin 3.88% against an eight-quarter Ohio Valley Bank Co (#384) average of 3.80% (Ohio Valley Bank Co (#384) compression -0.08 points); Ohio Valley Bank Co (#384) real-estate loans 2.9% of equity; Ohio Valley Bank Co (#384) non-residential real estate 463.2% of equity; Ohio Valley Bank Co (#384) rate-exposure score 40/100, Ohio Valley Bank Co (#384) fixed-rate trap 40/100; Ohio Valley Bank Co (#384) risk type credit driven; Ohio Valley Bank Co (#384) rate regime rates elevated; Ohio Valley Bank Co (#384) shares 7.7% below the 52-week high, Ohio Valley Bank Co (#384) equity trend stable, Ohio Valley Bank Co (#384) snapshot October 20, 2026.
Ohio Valley Bank Co (#384) stress score moved from 69.3 on June 22, 2026 to 72.6 on October 20, 2026; Ohio Valley Bank Co (#384) ranged 69.3 to 72.6 over 117 snapshots.
Ohio Valley Bank Co (#384) alerts: 6 counties; top Ohio Valley Bank Co (#384) alert scores: Ironton County, OH 24 (low); Milton County, OH 24 (low); Point Pleasant County, OH 24 (low); Rio Grande County, OH 24 (low); Waverly County, OH 24 (low).