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Peer Analysis


Performance Ratios (%) OVBC Peer Median Peer Average
ROAA 0.96 1.14 1.17
ROAE 8.05 10.37 10.32
Net Interest Margin 4.46 3.79 3.78
Efficiency Ratio 76.48 63.99 64.28
Loans / Deposits NA 82.59 84.61
Asset Quality Ratios (%)
NPAs / Assets NA 0.39 0.55
NCOs / Avg Loans 0.19 0.06 0.07
Reserves / Loans 0.81 0.94 0.91
Reserves / NPAs NA 123.29 114.32
Capital Ratios (%)
Tier 1 Capital NA 13.63 14.55
Tangible Equity / Tangible Assets 12.00 10.00 10.24
Total Equity / Total Assets 12.65 10.28 11.18
Market Ratios
Price / Earnings (x) 15.07 10.66 11.74
Price / Book (%) 117.09 123.20 117.59
Dividend Yield (%) 2.68 2.83 3.00
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 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

Andover Bancorp, Inc.'s financial data is as of 9/30/2019.
Citizens Independent Bancorp, Inc.'s financial data is as of 12/31/2018.