Ohio Valley Banc Corp (NASDAQ: OVBC) is a financial holding company that operates through its bank subsidiary to provide commercial and retail banking services in southeastern Ohio and portions of western West Virginia. The company makes money primarily through interest and fees on loans, which accounted for 77.84% of total consolidated revenues in FY2025, up from 73.02% in FY2024. Ohio Valley was incorporated in Ohio on January 8, 1992 and began conducting business on October 23, 1992, with principal offices at 420 Third Avenue, Gallipolis, Ohio 45631. The loan portfolio totaled $1,196,018,000 as of December 31, 2025, driven by commercial real estate and residential real estate loans. Commercial loans grew 19.9% and residential real estate loans grew 11.9% in FY2025 versus FY2024. The bank also generates revenue from deposit services, trust and fiduciary activities, credit card services, and investment in U.S. government and agency obligations.

Revenue model

Interest and fee income on loans is the primary revenue source, representing 77.84% of total consolidated revenues in FY2025. Secondary revenue comes from deposit account fees, trust services, credit card services, wire transfers, and investment income from U.S. government and agency obligations.

Products and services

Checking, savings, time, and money market deposit accounts; commercial and industrial loans; commercial real estate loans; residential real estate and construction loans; consumer loans secured by automobiles, mobile homes, and recreational vehicles; unsecured personal loans; credit card services; home equity loans; individual retirement accounts; safe deposit boxes; wire transfers; trust and fiduciary services (trustee under wills, trusts, and profit sharing plans; executor services); Certificate of Deposit Account Registry program through IntraFi Network for FDIC coverage above standard limits.

Customers and end markets

Individual consumers and commercial borrowers in southeastern Ohio and portions of western West Virginia. End markets include commercial real estate, residential real estate, and consumer finance. No disclosed customer concentration. Earnings are sensitive to Federal Reserve interest rate policy, which affects both borrower repayment capacity and deposit funding costs.

Value-chain role

Community bank and financial holding company. Originates, underwrites, and services loans directly to retail and commercial customers. Accepts deposits and deploys capital into loans and investment securities. Acts as fiduciary through its trust department.

Geographic exposure

Southeastern Ohio and portions of western West Virginia, as disclosed in the FY2025 10-K filed March 13, 2026.

Source: SEC 10-K, filed 2026-03-13

Industry: State Commercial Banks Peers: Avidbank Holdings Inc Citizens Community Bancorp Inc First Community Corp (South Carolina) First Financial Northwest, Inc. Franklin Financial Services Corp Hanover Bancorp Inc Peoples Bancorp of North Carolina Inc OLD POINT FINANCIAL CORP PNC Financial Services Group Inc SALISBURY BANCORP, INC.