Ohio Valley Banc Corp. (Ohio Valley) is a financial holding company. Ohio Valley has one banking subsidiary, The Ohio Valley Bank Company (the Bank). Ohio Valley also owns two nonbank subsidiaries, Loan Central, Inc. (Loan Central) and Ohio Valley Financial Services Agency, LLC (Ohio Valley Financial Services), which engage in lending and insurance agency services, and two wholly owned subsidiary trusts formed to issue trust preferred securities. Ohio Valley also owns a minority interest in an insurance company. The company operates in two segments: banking and consumer finance. The Bank is primarily engaged in commercial and retail banking. The Bank is a full-service financial institution offering a range of commercial and consumer banking services within central and southeastern Ohio, as well as western West Virginia.