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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 27th largest bank in the state of Ohio. It is also the 817th largest bank in the nation. It was established in 1872 and as of December of 2020, it had grown to 238 employees at 14 locations. Ohio Valley Bank has an A+ health rating.

Reviews (1)

Good Customer Service and Hometown Investment

Posted by: |

My experience with Ohio Valley Bank has been very positive. I opened a RightStart checking account with them before I began college, and they have been very gracious with their service and help over the past few years. I have never been able to maintain more than a few thousand at a time in the account, due to my occupation as a student, but the bank has a very reasonable policy and doesn't charge fees on a low balance (a positive for a college junior with $10,000's in student debt). In addition, every time I visit, they are a bright and cheery face and make me feel welcomed and important to them. Attending college across the country, it would be easy to grow detached and cold towards a relatively low-investing client, but they have been very faithful to provide me with whatever resources I need. I fully intend to continue banking with them as I continue into medical school and into my career as a physician (a decision which will prove beneficial to them I hope).

1


Health
A+

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #384
Year Established1872
Employees238
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD7.23%
Annual Interest Income$44.0MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$1.17B$998.2MM
LoansQ4 2020vs Q4 2019$831.1MM$755.7MM
DepositsQ4 2020vs Q4 2019$998.1MM$826.1MM
Equity CapitalQ4 2020vs Q4 2019$130.9MM$122.8MM
Loan Loss AllowanceQ4 2020vs Q4 2019$6.8MM$5.9MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$6.6MM$9.9MM
Real Estate OwnedQ4 2020vs Q4 2019$43.00K$522.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$100k*-My Health - HSA
OTHER TIERS: 0.05% → Up to $100k
0.10%--Christmas Savings
0.10%--Vacation Savings
0.05%$100-Statement Savings

Ohio Valley Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$100k*-Market-Watch Money Market
OTHER TIERS: 0.05% → $10k - $100k

Ohio Valley Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Earnie Now

Ohio Valley Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$2.5k-5 Year CD
0.40%$2.5k-4 Year CD
0.40%$10k-18 Month Rewards with Checking AND Money Market CD Special
0.35%$10k-18 Month Rewards with Checking OR Money Market CD Special
0.30%$2.5k-3 Year CD
0.30%$10k-18 Month CD Special
0.30%$10k-8 Month Rewards with Checking AND Money Market CD Special
0.25%$10k-8 Month Rewards with Checking OR Money Market CD Special
0.20%$2.5k-2 Year CD
0.20%$10k-8 Month CD Special
0.15%$2.5k-1 Year CD
0.10%$2.5k-6 Month CD
0.05%$2.5k-30-89 Day CD
0.05%$2.5k-3 Month CD

Ohio Valley Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-5 Year IRA
0.40%$500-4 Year IRA
0.40%$10k-18 Month Rewards with Checking AND Money Market IRA Special
0.40%$500-18 Month IRA TDOA
0.35%$10k-18 Month Rewards with Checking OR Money Market IRA Special
0.30%$500-3 Year IRA
0.30%$10k-18 Month IRA Special
0.30%$10k-8 Month Rewards with Checking AND Money Market IRA Special
0.25%$10k-8 Month Rewards with Checking OR Money Market IRA Special
0.20%$500-2 Year IRA
0.20%$10k-8 Month IRA Special
0.15%$500-1 Year IRA
0.10%$500-6 Month IRA
Locations

Availability



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