The Ohio Valley Bank Company

Headquarters: Gallipolis, Ohio
Charter: Bank
Assets: $1.6B
Fed district: Cleveland
Regulator: Federal Reserve
Holding company: Ohio Valley Banc Corp.

Explore Hamilton View published fees

Compared with Ohio

1 of 3

compared fees are above the median.

2 below, 0 about the same.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
83rd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 3 compared; 2 below, 0 about the same
See the fees
Fee schedule read Oct 14, 2026

How these figures are measured

Call-report figures are for The Ohio Valley Bank Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Ohio median	Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The Ohio Valley Bank Company's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The Ohio Valley Bank Company (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service charges were 4.1% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (83rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $724K in Q2 2026, 6.9% above the same quarter a year earlier ($677K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 3 compared published fees sit above the Ohio median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Ohio medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $8, the middle of its prices
The Ohio Valley Bank Company: $5 to $10
The Ohio Valley Bank Company: $5 to $10
Ohio median: $6.7376 publishCleveland district median: $6.48109 publishU.S. median: $71,900 publish
Paper Statement
The Ohio Valley Bank Company: $1
The Ohio Valley Bank Company: $1
Ohio median: $351 publishCleveland district median: $370 publishU.S. median: $31,232 publish
Money Order
The Ohio Valley Bank Company: $0.50
The Ohio Valley Bank Company: $0.50
Ohio median: $380 publishCleveland district median: $2123 publishU.S. median: $21,678 publish

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 6.2% from Q3 2025 to Q2 2026, to $724K. Its share of revenue, 4.1%, is above the 2.2% median for banks with $1B to $10B in assets.

Service-charge income, Q2 2026

$724K

$772KQ3 2025

$719KQ4 2025

$699KQ1 2026

$724KQ2 2026

Against the median (OH for fees)

Share of revenue4.1% / 2.2%
Monthly maintenance$8* / $6.73

The Ohio Valley Bank CompanyMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do waivers and balance requirements change what most customers actually pay?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

The Ohio Valley Bank Company · $1.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Banks only
$1.6B to $1.7B in assets
Headquartered in 21 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Ohio Valley Bank Company(this institution)	Gallipolis, OH	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Alma Bank	Astoria, NY	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
BankSouth	Greensboro, GA	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benchmark Bank	Plano, TX	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
BOM Bank	Natchitoches, LA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cape & Coast Bank	Yarmouth Port, MA	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Chambers Bank	Danville, AR	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Carmichaels, PA	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Forcht Bank, National Association	Lexington, KY	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Grasshopper Bank, N.A.	New York, NY	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Horicon Bank	Horicon, WI	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Oklahoma City, OK	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Finance Bank	Miami, FL	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Landmark National Bank	Manhattan, KS	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Main Street Bank	Marlborough, MA	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Meredith Village Savings Bank	Meredith, NH	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Northfield Savings Bank	Northfield, VT	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific National Bank	Miami, FL	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PrimeSouth Bank	Blackshear, GA	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Bank and Trust Company	Paris, TN	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Servbank, National Association	Oswego, IL	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Nodaway Valley Bank	Maryville, MO	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Security National Bank of Sioux City, Iowa	Sioux City, IA	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Transportation Alliance Bank, Inc. d/b/a TAB Bank	Ogden, UT	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
US Metro Bank	Garden Grove, CA	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Virginia National Bank	Charlottesville, VA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (16%) below the median of similar-sized banks.

Compared at $8, the middle of its three prices, against a peer median of $9.50 among 16 publishing peers.

Its three checking prices are $5, $8 and $10.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Ohio Valley Bank Comp…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude 2 outliers ($45, $50)Shown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Ohio Valley Bank Company (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $724K
vs prior quarter: +$25K+3.6%; from Q1 2026
vs a year earlier: +$47K+6.9%; from Q2 2025
vs start of range: −$40K−5.2%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Ohio Valley Bank Company (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$724K	+$25K	+3.6%
Q1 2026	$699K	−$20K	−2.8%
Q4 2025	$719K	−$53K	−6.9%
Q3 2025	$772K	+$95K	+14.0%
Q2 2025	$677K	−$5K	−0.7%
Q1 2025	$682K	−$51K	−7.0%
Q4 2024	$733K	−$31K	−4.1%
Q3 2024	$764K	+$73K	+10.6%

Service-charge share against its size cohort

Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, The Ohio Valley Bank Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

The Ohio Valley Bank Company: 4.1%
Percentile: 83rd
25th percentile: 1.3%
Median: 2.2%
75th percentile: 3.5%

The Ohio Valley Bank Company 4.1%Median 2.2%Middle half 1.3% to 3.5%Peers at each share12 above 10%, counted in the last bar

Find a peer (869)

The 15 closest to The Ohio Valley Bank Company by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from The Ohio Valley Bank Company’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Monthly Service Fee (refundable)$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Paperless Checking Monthly Service Fee$8
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Service charge$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Dormant Account Fee$5
Mailed statement$2
Monthly Statement Fee Mailed$1
Below the U.S. middle 50% ($2 to $4.98 nationally)
per month

Check Services

Discounted money order fee (audience not stated, treated as personal)$0.50
Below the U.S. middle 50% ($2 to $3 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee (refundable)	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Paperless Checking Monthly Service Fee	$8Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Service charge	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Dormant Account Fee	$5	Not stated	None
Mailed statement	$2	Not stated	None
Monthly Statement Fee Mailed	$1Below the U.S. middle 50% ($2 to $4.98 nationally)	per month	None
Check Services
Discounted money order fee (audience not stated, treated as personal)	$0.50Below the U.S. middle 50% ($2 to $3 nationally)	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where The Ohio Valley Bank Company operates, and what regulators and customers have on file.

Branch footprint

16 offices in 2 states, $1.4B in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

Outside a metro area	13	$1.2B
	3	$214.7M

Huntington-Ashland, WV-KY-OH

2.7% of bank deposits, #17 of 26, up 1.6 points over five years.

Largest competitors here	Deposit share
City National Bank of West Virginia	15.3%
JPMorgan Chase Bank, National Association	8%
Putnam County Bank	7.7%
Truist Bank	6.9%
WesBanco Bank, Inc.	6.2%

Fees in Barboursville →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Huntington-Ashland, WV-KY-OH, The Ohio Valley Bank Company holds 2.7% of bank deposits, #17 of 26, with 3 offices.

Compare fees with the 26 Huntington-Ashland, WV-KY-OH banks and credit unions in its home-metro peer set →

Offices in the metro

142 offices of 44 institutions shown.

The Ohio Valley Bank CompanyOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Huntington-Ashland, WV-KY-OH metro (FDIC metro code 26580), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 9 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1City National Bank of West Virginia15.3%
2JPMorgan Chase Bank, National Association8.0%
3Putnam County Bank7.7%
4Truist Bank6.9%
5WesBanco Bank, Inc.6.2%
6United Bank5.8%
7Huntington Federal Savings Bank5.3%
8Community Trust Bank, Inc.4.8%
17The Ohio Valley Bank Company2.7%

9 of 26 institutions shown. $8.0B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Huntington-Ashland, WV-KY-OH metro (FDIC metro code 26580)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 2.7% share, 3 offices, #17 of 26

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Huntington-Ashland, WV-KY-OH metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

47 offices of 21 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Holding company

OHIO VALLEY BANC CORP (Nasdaq: OVBC)

Consolidated assets

$1.7B

Shareholders' equity

$173.4M

As of

2026Q2

Net income by quarter

Recent SEC filings

8-KCURRENT REPORT FILING2026-10-27View
8-KCURRENT REPORT FILING2026-10-20View
8-KCURRENT REPORT FILING2026-08-19View
10-QFORM 10-Q AT 06/30/262026-08-13View
8-KCURRENT REPORT FILING2026-07-27View
8-KCURRENT REPORT FILING2026-07-14View
10-QFORM 10-Q AT 03/31/262026-05-15View
8-KPROMOTIONS, AMENDMENTS TO CODE OF REGULATIONS AND VOTING RESULTS 05/13/262026-05-15View
8-KEARNINGS RELEASE 03/31/262026-04-28View
8-KDIVIDEND PAYABLE 05/10/262026-04-14View
DEF 14ADEF 14A2026-04-02View
10-K10-K2026-03-13View

Source: SEC EDGAR filings and XBRL financial data, CIK 894671. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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