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The Hocking Valley Bank
Athens, OH · FDIC Certificate #18858 · Chartered 02/1
Total assets
$354.02M
Total deposits
$312.01M
Total equity
$38.48M
Net loans
$204.80M
Branches (offices)
5
Net income (YTD)
$2.46M
Rank: #2,235 of 4,213 U.S. banks by assets · #67 of 155 in Ohio. Assets changed 2.4% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 13.16% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 10.87% |
| Tier 1 leverage ratio | 11.44% |
| Uninsured deposits (share of deposits) | 23.3% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 65.6% |
| Real estate loans (share of loans) | 84.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $173.29M | 84.6% | |
| Commercial & industrial | $28.23M | 13.8% | |
| Consumer / individual | $3.05M | 1.5% | |
| Construction & development | $10.38M | 5.1% | |
| Agricultural | $169.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $344.78M | $311.39M | $1.34M | $25.39M |
| Jun 2023 | $331.70M | $299.98M | $1.20M | $25.88M |
| Jun 2024 | $335.14M | $298.79M | $1.29M | $29.76M |
| Jun 2025 | $345.79M | $307.42M | $1.80M | $34.60M |
| Jun 2026 | $354.02M | $312.01M | $2.46M | $38.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $312.01M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $312.01M.
Similar-sized banks
Frazer Bank ($354.25M) · First State Bank Of Dekalb County ($353.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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