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Peer Analysis


Performance Ratios (%) OVBC Peer Median Peer Average
ROAA 0.94 1.23 1.16
ROAE 7.73 9.87 10.19
Net Interest Margin 4.34 3.73 3.69
Efficiency Ratio 78.54 62.87 63.87
Loans / Deposits 91.61 82.91 84.44
Asset Quality Ratios (%)
NPAs / Assets 1.57 0.54 0.76
NCOs / Avg Loans 0.23 0.06 0.07
Reserves / Loans 1.13 0.98 0.95
Reserves / NPAs 53.73 106.21 131.68
Capital Ratios (%)
Tier 1 Capital NA 13.03 13.98
Tangible Equity / Tangible Assets 11.96 10.28 10.40
Total Equity / Total Assets 12.60 10.55 11.29
Market Ratios
Price / Earnings (x) 12.41 8.61 9.53
Price / Book (%) 92.85 93.75 90.53
Dividend Yield (%) 3.32 3.98 3.77
Data for trailing four quarters

Ohio Valley Banc Corp.'s peer group consists of the following: Andover Bancorp, Inc. (ANDC), Citizens Independent Bancorp, Inc., Consumers Bancorp, Inc. (CBKM), Cortland Bancorp (CLDB), Croghan Bancshares, Inc. (CHBH), CSB Bancorp, Inc. (CSBB), F&M Bancorp (FMOO), Farmers & Merchants Bancorp, Inc. (FMAO), Premier Financial Bancorp, Inc. (PFBI), United Bancorp, Inc. (UBCP)

Ohio Valley Banc Corp.'s financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

F&M Bancorp's financial data is as of 12/31/2019.
Andover Bancorp, Inc.'s financial data is as of 12/31/2019.
Citizens Independent Bancorp, Inc.'s financial data is as of 12/31/2018.