{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-23-000035","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.317705+00:00","generated_at":"2026-06-09T09:26:04.725066+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 Q3 net income drops 39% to $2.25M; EPS $0.47 vs $0.77","bullets":["Net income $2.251M ($0.47 EPS) vs $3.690M ($0.77 EPS) in Q3 2022, down 39%.","Net interest margin narrowed to 3.85% from 4.03%; net interest income decreased $469K.","Provision for credit losses $888K vs negative $378K prior year; ACL ratio 0.85% vs 0.56%.","Nonperforming loans improved to 0.28% of total loans from 0.46% a year earlier.","Total assets $1.314B, up 8.5% from Dec 2022; loan growth $76M funded partly by wholesale deposits."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-23-000035","json":"https://secwatch.observer/filing/0000894671-23-000035.json","markdown":"https://secwatch.observer/filing/0000894671-23-000035.md","text":"https://secwatch.observer/filing/0000894671-23-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000035/0000894671-23-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000035/sec8kearngsrels093023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T09:26:04.725066+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":"337b97bd8b3476a5ed43c9559ac5bff2b88cf236","claim":"OHIO VALLEY BANC CORP reported the quarter ended September 30, 2023 results: net income $2,251,000, EPS $.47.","evidence_excerpt":"Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended September 30, 2023, of $2,251,000, a decrease of $1,439,000 from the same period the prior year. Earnings per share for the third quarter of 2023 were $.47 compared to $.77 for the prior year third quarter.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000035/0000894671-23-000035-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$2,251,000"},{"label":"EPS","value":"$.47"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"9fcb7b47d7ca776dcd61a3b5275a637a85d4d2bf","claim":"OHIO VALLEY BANC CORP reported the nine months ended September 30, 2023 results: net income $9,408,000, EPS $1.97.","evidence_excerpt":"For the nine months ended September 30, 2023, net income totaled $9,408,000, a decrease of $406,000 from the same period the prior year. Earnings per share were $1.97 for the first nine months of 2023 versus $2.06 for the first nine months of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/894671/000089467123000035/0000894671-23-000035-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2023"},{"label":"Net income","value":"$9,408,000"},{"label":"EPS","value":"$1.97"},{"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"}