---
schema_version: "secwatch.filing_event.v1"
accession: "0000894671-23-000029"
form_type: "8-K"
ticker: "OVBC"
cik: "0000894671"
company_name: "OHIO VALLEY BANC CORP"
filed_at: "2023-07-27T23:59:59+00:00"
generated_at: "2026-06-13T01:51:24.123204+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Ohio Valley Banc Q2 net income $3.25M, EPS $0.68; NIM 4.03%

## Summary
- Q2 net income $3,249,000, up 62.5% from $1,999,000; EPS $0.68 vs $0.42.
- Net interest margin 4.03% in Q2 (3.64% prior year); H1 NIM 4.12%.
- Nonperforming loans ratio improved to 0.29% from 0.46% a year ago.
- Dividend per share $0.37 in Q2, $0.58 in H1; prior year $0.36 and $0.57.
- Return on avg assets 1.03% Q2, 1.16% H1; ROE 9.46% and 10.63% respectively.

## SEC filing metadata
- accession: 0000894671-23-000029
- form_type: 8-K
- ticker: OVBC
- cik: 0000894671
- company_name: OHIO VALLEY BANC CORP
- filed_at: 2023-07-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02
- EDGAR index: https://www.sec.gov/Archives/edgar/data/894671/000089467123000029/0000894671-23-000029-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/894671/000089467123000029/sec8kearngsrels063023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000894671-23-000029
- JSON: https://secwatch.observer/filing/0000894671-23-000029.json
- Plain text: https://secwatch.observer/filing/0000894671-23-000029.txt

## Key facts
- Earnings Releases
  OHIO VALLEY BANC CORP reported the quarter ended June 30, 2023 results: net income $3,249,000, EPS $.68.
  - Period: the quarter ended June 30, 2023
  - Net income: $3,249,000
  - EPS: $.68
  - Result: reported results
  source text: reported consolidated net income for the quarter ended June 30, 2023, of $3,249,000, an increase of $1,250,000 from the same period the prior year. Earnings per share for the second quarter of 2023 were $.68 compared to $.42 for the prior year second quarter.
  evidence_url: https://www.sec.gov/Archives/edgar/data/894671/000089467123000029/0000894671-23-000029-index.htm
- Earnings Releases
  OHIO VALLEY BANC CORP reported the six months ended June 30, 2023 results: net income $7,157,000, EPS $1.50.
  - Period: the six months ended June 30, 2023
  - Net income: $7,157,000
  - EPS: $1.50
  - Result: reported results
  source text: For the six months ended June 30, 2023, net income totaled $7,157,000, an increase of $1,033,000, or 16.9%, from the same period the prior year. Earnings per share were $1.50 for the first six months of 2023 versus $1.29 for the first six months of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/894671/000089467123000029/0000894671-23-000029-index.htm

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