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Peer Analysis


Performance Ratios (%) OVBC Peer Median Peer Average
ROAA 0.95 1.20 1.17
ROAE 8.39 10.53 10.78
Net Interest Margin 4.53 3.89 3.82
Efficiency Ratio 71.70 64.09 64.45
Loans / Deposits 91.58 82.85 83.47
Asset Quality Ratios (%)
NPAs / Assets 1.78 0.47 0.77
NCOs / Avg Loans 0.27 0.05 0.02
Reserves / Loans 0.95 0.89 0.87
Reserves / NPAs 40.17 121.26 145.18
Capital Ratios (%)
Tier 1 Capital 17.30 14.49 14.68
Tangible Equity / Tangible Assets 11.31 10.29 10.25
Total Equity / Total Assets 11.97 10.30 11.30
Market Ratios
Price / Earnings (x) 17.51 11.47 12.03
Price / Book (%) 140.78 119.02 119.71
Dividend Yield (%) 2.30 3.14 3.14
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 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

Citizens Independent Bancorp, Inc.'s financial data is as of 12/31/2018.