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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 29th largest bank in the state of Ohio. It is also the 827th largest bank in the nation. It was established in 1872 and as of June of 2022, it had grown to 250 employees at 15 locations. Ohio Valley Bank's money market rates are 3X the national average, and it 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 Q2 2022

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #384
Year Established1872
Employees250
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.12%
Annual Interest Income$20.8MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.24B$1.22B
LoansQ2 2022vs Q2 2021$854.0MM$830.5MM
DepositsQ2 2022vs Q2 2021$1.08B$1.05B
Equity CapitalQ2 2022vs Q2 2021$125.8MM$134.1MM
Loan Loss AllowanceQ2 2022vs Q2 2021$4.9MM$6.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$3.9MM$6.4MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Ohio Valley Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.05%--GenNEXT Statement Savings

Ohio Valley Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-Money Fund Account
OTHER TIERS: 0.00% → Up to $10k | 1.25% → $10k - $50k | 1.35% → $50k - $100k

Ohio Valley Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Earnie Now

Ohio Valley Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$10k-11 Month Rewards with Checking AND Money Market CD Special
4.25%$10k-11 Month Rewards with Checking OR Money Market CD Special
4.00%$10k-11 Month CD Special
3.75%$10k-22 Month Rewards with Checking AND Money Market CD Special
3.50%$10k-22 Month Rewards with Checking OR Money Market CD Special
3.25%$10k-22 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$10k-11 Month Rewards with Checking AND Money Market IRA Special
4.25%$500-18 Month IRA TDOA
4.25%$10k-11 Month Rewards with Checking OR Money Market IRA Special
4.00%$10k-11 Month IRA Special
3.75%$10k-22 Month Rewards with Checking AND Money Market IRA Special
3.50%$10k-22 Month Rewards with Checking OR Money Market IRA Special
3.25%$10k-22 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
1.00%$500-1 Year IRA
0.75%$500-6 Month IRA
Locations

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