Ohio Valley Bank

Overview / Commentary

www.ovbc.com

740-446-2631

420 Third Avenue
Gallipolis, OH 45631

Ohio Valley Bank is headquartered in GALLIPOLIS and is the 25^th largest bank in the state of Ohio. It is also the 782^nd largest bank in the nation. It was established in 1872 and as of June of 2024, it had grown to 245 employees at 16 locations. Ohio Valley Bank's money market rates are 7X the national average, and it has an A health rating.

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	384
Year Established	1872
Employees	245
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	8.3%
Annual Interest Income	$35.2MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$1.39B$1.26B
Loans	Q2 2024vs Q2 2023	$1.02B$930.8MM
Deposits	Q2 2024vs Q2 2023	$1.18B$1.08B
Equity Capital	Q2 2024vs Q2 2023	$139.8MM$131.5MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$9.2MM$7.4MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$5.1MM$2.6MM
Real Estate Owned	Q2 2024vs Q2 2023	$60K$67K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ohio Valley Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
6.00%	$0	-	Homebuyer Plus
0.10%^*	$100k^*	-	My Health - HSA
OTHER TIERS: 0.05% → $0 - $100k
0.10%	$0	-	Christmas Savings
0.10%	$0	-	Vacation Savings
0.05%	$100	-	Statement Savings
0.05%	$0	-	GenNEXT Statement Savings

Ohio Valley Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.25%^*	$100k^*	-	Money Fund Account
OTHER TIERS: 2.25% → $10k - $50k \| 2.75% → $50k - $100k

Ohio Valley Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	Earnie Now

Ohio Valley Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$5k	-	7 Month CD Special
4.34%	$5k	-	10 Month CD Special
4.08%	$5k	-	18 Month CD Special
1.50%	$2.5k	-	5 Year CD
1.40%	$2.5k	-	4 Year CD
1.30%	$2.5k	-	3 Year CD
1.20%	$2.5k	-	2 Year CD
1.01%	$2.5k	-	1 Year CD
0.75%	$2.5k	-	6 Month CD
0.50%	$2.5k	-	30-89 Day CD
0.50%	$2.5k	-	3 Month CD

Ohio Valley Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$5k	-	7 Month IRA Special
4.34%	$5k	-	10 Month IRA Special
4.08%	$500	-	18 Month IRA TDOA
4.08%	$5k	-	18 Month IRA Special
1.50%	$500	-	5 Year IRA
1.40%	$500	-	4 Year IRA
1.30%	$500	-	3 Year IRA
1.20%	$500	-	2 Year IRA
1.01%	$500	-	1 Year IRA
0.75%	$500	-	6 Month IRA

Locations

Availability

Charleston Area

Charleston Area bank & credit union details

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