Ohio Valley Banc(NASDAQ) OVBC

Ohio Valley helps people in the region manage their money. It provides tools for saving, borrowing, and protecting assets. The company serves local communities through bank and finance offices.

Ways to Bank and Borrow

• Deposit Accounts: Checking, savings, and certificates of deposit—which are accounts that hold money for a fixed term to earn interest.
• Real Estate Loans: Residential mortgages for home buyers and commercial loans for businesses and rental properties.
• Commercial Lending: Credit for equipment, inventory, and business operations to support local companies.
• Consumer Finance: Personal loans and vehicle financing offered through the Loan Central subsidiary.
• Trust and Insurance: Financial management, estate planning, and property insurance services for individual and business clients.

Building the Regional Network

• Operates 16 offices across Ohio and West Virginia to provide local banking services.
• Maintains six consumer finance locations under the Loan Central brand specifically within Ohio.
• Uses the Ohio Valley REO subsidiary to manage and sell properties acquired through foreclosure.

A Century of Local Service

Ohio Valley combines traditional commercial banking with a specialized consumer finance arm to serve diverse credit needs. The company has maintained a continuous presence in its regional markets for over 150 years since its founding in 1872.

Recent Performance Metrics

• Revenue reached $25.8 million in Q1 2026, up 9.9% from $23.4 million in Q1 2025.
• Net interest income—the profit from lending minus interest paid to savers—grew to $14.9 million in Q1 2026, up from $13.1 million a year earlier.
• Net income was $4.3 million for the quarter ended March 31, 2026, down 2.5% compared to the same period in 2025.
• Total deposits rose to $1.42 billion as of March 31, 2026, compared to $1.33 billion at the end of 2025.
• Provision for credit losses—funds set aside for unpaid loans—increased to $1.6 million in Q1 2026 from $0.4 million in Q1 2025.

The Final Word

Ohio Valley has transitioned from a historic local bank into a regional financial services provider focused on community lending. Its integrated consumer finance business and long-term presence in Ohio and West Virginia anchor its operational strategy.