---
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"
generated_at: "2026-06-24T08:28:08.610486+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Ohio Valley Banc reports Q2 net income down 30% to $1.999M; EPS $0.42 vs $0.60

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000894671-22-000019
- JSON: https://secwatch.observer/filing/0000894671-22-000019.json
- Plain text: https://secwatch.observer/filing/0000894671-22-000019.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.