Ohio Valley Bank

Overview / Commentary
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 811th largest bank in the nation. It was established in 1872 and as of September of 2023, it had grown to 241 employees at 16 locations. Ohio Valley Bank has a B+ 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 - YTD0.94%
Return on Equity - YTD8.98%
Annual Interest Income$43MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.3B$1.23B
LoansQ3 2023vs Q3 2022$941.3MM$840MM
DepositsQ3 2023vs Q3 2022$1.1B$1.08B
Equity CapitalQ3 2023vs Q3 2022$130.3MM$121.8MM
Loan Loss AllowanceQ3 2023vs Q3 2022$7.9MM$4.5MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$2.6MM$3.8MM
Real Estate OwnedQ3 2023vs Q3 2022$68K$0

Rates for Ohio Valley Bank are currently being reviewed.



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