---
schema_version: "secwatch.filing_event.v1"
accession: "0000894671-23-000007"
form_type: "8-K"
ticker: "OVBC"
cik: "0000894671"
company_name: "OHIO VALLEY BANC CORP"
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T08:55:35.018197+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Ohio Valley Banc reports Q4 2022 net income $3.5M ($0.74 EPS), up 53% YoY; record full-year earnings

## Summary
- Q4 net income $3.524M (+53%), EPS $0.74 vs $0.48; full-year net income $13.338M (+13.7%), EPS $2.80 vs $2.45.
- Net interest margin expanded to 4.38% in Q4 from 3.57% a year ago; full-year margin 3.89% vs 3.61%.
- Provision for loan losses $659K in Q4 vs -$301K prior year; nonperforming loans improved to 0.43% of total loans.
- Noninterest income decreased $216K in Q4 due to $1.537M loss on sale of securities reinvested into higher-yielding securities.
- Dividends per share $0.21 quarterly; annual payout $0.99, up from $0.84 in 2021.

## SEC filing metadata
- accession: 0000894671-23-000007
- form_type: 8-K
- ticker: OVBC
- cik: 0000894671
- company_name: OHIO VALLEY BANC CORP
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02
- EDGAR index: https://www.sec.gov/Archives/edgar/data/894671/000089467123000007/0000894671-23-000007-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/894671/000089467123000007/sec8kearngsrels123122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000894671-23-000007
- JSON: https://secwatch.observer/filing/0000894671-23-000007.json
- Plain text: https://secwatch.observer/filing/0000894671-23-000007.txt

## Key facts
- Earnings Releases
  OHIO VALLEY BANC CORP reported the year ended December 31, 2022 results: net income $13,338,000, EPS $2.80.
  - Period: the year ended December 31, 2022
  - Net income: $13,338,000
  - EPS: $2.80
  - Result: reported results
  source text: For the year ended December 31, 2022, net income totaled $13,338,000, an increase of $1,606,000, or 13.7%, from the same period the prior year. Earnings per share were $2.80 for 2022 versus $2.45 for 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/894671/000089467123000007/0000894671-23-000007-index.htm
- Earnings Releases
  OHIO VALLEY BANC CORP reported the quarter ended December 31, 2022 results: net income $3,524,000, EPS $.74.
  - Period: the quarter ended December 31, 2022
  - Net income: $3,524,000
  - EPS: $.74
  - Result: reported results
  source text: reported consolidated net income for the quarter ended December 31, 2022, of $3,524,000, an increase of $1,220,000, or 53.0%, from the same period the prior year. Earnings per share for the fourth quarter of 2022 were $.74 compared to $.48 for the prior year fourth quarter.
  evidence_url: https://www.sec.gov/Archives/edgar/data/894671/000089467123000007/0000894671-23-000007-index.htm

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