Ohio Valley Bank

Overview / Commentary
420 Third Avenue
Gallipolis, OH 45631

Ohio Valley Bank is headquartered in GALLIPOLIS and is the 25th largest bank in the state of Ohio. It is also the 795th largest bank in the nation. It was established in 1872 and as of March of 2024, it had grown to 242 employees at 16 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).


Health Grade Components

FDIC Certificate #384
Year Established1872
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD7.34%
Annual Interest Income$17.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.36B$1.25B
LoansQ1 2024vs Q1 2023$969.3MM$887.4MM
DepositsQ1 2024vs Q1 2023$1.16B$1.09B
Equity CapitalQ1 2024vs Q1 2023$137.9MM$130.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$9MM$7.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.5MM$3.4MM
Real Estate OwnedQ1 2024vs Q1 2023$68K$0

Rates for Ohio Valley Bank are currently being reviewed.



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