{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-23-000019","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2023-04-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.696205+00:00","generated_at":"2026-06-16T10:45:21.915193+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Ohio Valley Banc Q1 net income down 5.3% to $3.9M; EPS $0.82 vs $0.87","bullets":["Net income $3.908M, down $217K (5.3%) YoY; diluted EPS $0.82 vs $0.87.","Net interest margin expanded to 4.21% from 3.51% due to rising loan yields outpacing deposit costs.","Provision for credit losses was $489K vs negative $1,126K in prior year, reflecting loan growth and CECL adoption.","Total deposits increased $54M vs Dec 2022, primarily time deposits; loans up $21M.","Book value per share $28.80 vs $28.63; dividend unchanged at $0.21/sh."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-23-000019","json":"https://secwatch.observer/filing/0000894671-23-000019.json","markdown":"https://secwatch.observer/filing/0000894671-23-000019.md","text":"https://secwatch.observer/filing/0000894671-23-000019.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000019/0000894671-23-000019-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000019/sec8kearngsrels033123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T10:45:21.915193+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":[{"claim_id":"ac3c46ad6a34d06ea62b3437e32aa7d42524ed61","claim":"OHIO VALLEY BANC CORP reported the quarter ended March 31, 2023 results: net income consolidated net income for the quarter ended March 31, 2023, of $3,908,000, EPS Earnings per share for the first quarter of 2023 were $.82.","evidence_excerpt":"Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended March 31, 2023, of $3,908,000","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000019/0000894671-23-000019-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2023"},{"label":"Net income","value":"consolidated net income for the quarter ended March 31, 2023, of $3,908,000"},{"label":"EPS","value":"Earnings per share for the first quarter of 2023 were $.82"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}