Bank · FDIC insured
The Ohio Valley Bank Company
A $1.6B bank headquartered in Gallipolis, OH, with 15 branches in 2 states. Best rates: CDs 4.25% and savings 1.40% APY.
The Ohio Valley Bank Company Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#1 of 2 in Gallipolis, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Ohio Valley Bank Company
The Ohio Valley Bank Company operates branches throughout southern Ohio and western West Virginia.
- Headquarters
- 420 3rd Ave, Gallipolis, OH 45631
- FDIC certificate
- 384 ↗
Branches
15 branches in 2 states
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Ohio
10 branches
Gallipolis area · 5
- The Ohio Valley Bank CompanyMain office420 3rd Ave, Gallipolis, OH 45631Directions
- Eastern Avenue Branch2145 Eastern Ave, Gallipolis, OH 45631Directions
- Holzer Medical Center Branch100 Jackson Pike, Gallipolis, OH 45631Directions
- Jackson Pike Branch3035 State Route 160, Gallipolis, OH 45631Directions
- Rio Grande Branch27 N College Ave, Rio Grande, OH 45674Directions
Huntington area · 1
- Ironton Branch1013 Ironton Hills Dr, Ironton, OH 45638Directions
Jackson area · 1
- Jackson Branch740 E Main St, Jackson, OH 45640Directions
Oak Hill area · 1
- Oak Hill Branch116 Jackson St, Oak Hill, OH 45656Directions
Waverly area · 1
- Waverly Branch197 East Emmitt Avenue, Waverly, OH 45690Directions
Wellston area · 1
- Wellston Milton Branch123 S Ohio Ave, Wellston, OH 45692Directions
West Virginia
5 branches
Huntington area · 2
- Barboursville Branch6431 Us Route 60 E, Barboursville, WV 25504Directions
- Milton Branch280 E Main St, Milton, WV 25541Directions
Point Pleasant area · 2
- Point Pleasant Branch328 Viand St, Point Pleasant, WV 25550Directions
- Point Pleasant North Branch2509 Jackson Ave, Point Pleasant, WV 25550Directions
Mason area · 1
- Bend Area Office156 Mallard Lane, Mason, WV 25260Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.73% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.45% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.89% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $87 | $88 | — |
- CapitalLeverage ratio9.73%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.45%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.89%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$87Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of The Ohio Valley Bank Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.