{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-22-000019","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2022-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:58.492437+00:00","generated_at":"2026-06-24T08:28:08.610486+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Ohio Valley Banc reports Q2 net income down 30% to $1.999M; EPS $0.42 vs $0.60","bullets":["Net income of $1.999M for Q2 2022 vs $2.861M same quarter last year; EPS $0.42 vs $0.60.","Net interest income rose $338K to $10.553M; net interest margin improved to 3.64% on linked quarter basis.","Provision for loan losses was $813K, up from $27K, due to $868K in net charge-offs (including $613K single loan).","Noninterest expense increased $726K to $10.023M, driven by staffing at Race Day Mortgage and software costs.","New Ohio Valley Bank branch to open in Ironton, Ohio, expanding into Lawrence County."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-22-000019","json":"https://secwatch.observer/filing/0000894671-22-000019.json","markdown":"https://secwatch.observer/filing/0000894671-22-000019.md","text":"https://secwatch.observer/filing/0000894671-22-000019.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467122000019/0000894671-22-000019-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467122000019/sec8kearngsrels063022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T08:28:08.610486+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}