OHIO VALLEY BANC CORP

Ohio Valley Banc Corp. is a regional bank holding company headquartered in Gallipolis, Ohio, that operates The Ohio Valley Bank Company. The company provides commercial and consumer banking services across Ohio and West Virginia, with a primary focus on community banking. Its product offerings include deposit accounts spanning checking, savings, money market, and individual retirement accounts, along with certificates of deposit and various deposit structures. The company also provides safe deposit boxes, wire transfers, credit card services, and online banking platforms featuring cash management tools.

The company operates through two business segments: Banking and Consumer Finance. The Banking segment generates revenue through residential real estate lending, including one-to-four-family mortgages, as well as commercial loans secured by equipment, inventory, real estate, and rental property. Consumer lending includes auto loans, mobile home financing, recreational vehicle loans, personal loans, unsecured credit card receivables, and construction loans. The Consumer Finance segment encompasses consumer direct mortgage services and seasonal tax preparation services. Additionally, the company offers trust services, home equity loans, and various insurance products including commercial property and liability coverage.

Founded in 1872, Ohio Valley Banc Corp. maintains a network of branch offices and automated teller machines throughout its operating territory. The company's service area encompasses smaller communities and regional markets in the Ohio Valley region, positioning it as a community-focused financial institution.