Ohio Valley Banc Corp. is the holding company for The Ohio Valley Bank Company (the Bank). The Company, through the Bank, is primarily engaged in the business of commercial and retail banking and trust services, with operations conducted through 22 offices located in central and southeastern Ohio, as well as western West Virginia. The Company also serves as holding company for Loan Central, a consumer finance company; Ohio Valley Financial Services Agency, LLC, an insurance company, and Ohio Valley Statutory Trusts I and II, special purpose financing entities.