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Peer Analysis


Performance Ratios (%) OVBC Peer Median Peer Average
ROAA 0.85 1.04 1.11
ROAE 6.96 9.60 9.86
Net Interest Margin 4.21 3.62 3.57
Efficiency Ratio 79.16 62.94 63.23
Loans / Deposits NA 81.44 82.53
Asset Quality Ratios (%)
NPAs / Assets NA 0.41 0.49
NCOs / Avg Loans 0.30 0.06 0.07
Reserves / Loans 0.96 0.95 0.94
Reserves / NPAs NA 119.53 126.62
Capital Ratios (%)
Tier 1 Capital NA 13.44 14.84
Tangible Equity / Tangible Assets 11.35 9.71 10.10
Total Equity / Total Assets 11.95 9.98 10.88
Market Ratios
Price / Earnings (x) 12.98 8.65 9.50
Price / Book (%) 87.71 89.56 88.66
Dividend Yield (%) 3.48 4.02 4.01
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), Farmers & Merchants Bancorp, Inc. (FMAO), Premier Financial Bancorp, Inc. (PFBI), United Bancorp, Inc. (UBCP)

Ohio Valley Banc Corp.'s financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020 except for these companies:

Croghan Bancshares, Inc.'s financial data is as of 3/31/2020.
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.