{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-24-000012","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.357186+00:00","generated_at":"2026-06-03T09:00:04.127702+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Ohio Valley Banc Q1 net income $2.79M, EPS $0.58 vs $0.82 YoY; net interest margin down to 3.61%","bullets":["Q1 net income of $2.79M, down 28.5% YoY; diluted EPS $0.58 vs $0.82.","Net interest margin fell to 3.61% from 4.21% due to higher deposit costs.","Loan growth of $18M from Dec 31 to $990M; nonperforming loans ratio 0.37% vs 0.26%.","Total deposits increased $22M from year end, primarily in time deposits.","Noninterest expense rose 4.6% on higher salaries and benefits; efficiency ratio 71.47%."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-24-000012","json":"https://secwatch.observer/filing/0000894671-24-000012.json","markdown":"https://secwatch.observer/filing/0000894671-24-000012.md","text":"https://secwatch.observer/filing/0000894671-24-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467124000012/0000894671-24-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467124000012/sec8kearngsrels033124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T09:00:04.127702+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":"760a5be6f54eae108b7c8c641800bcfb850e827a","claim":"OHIO VALLEY BANC CORP reported the quarter ended March 31, 2024 results: net income $2,793,000, EPS $.58.","evidence_excerpt":"Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended March 31, 2024, of $2,793,000","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/894671/000089467124000012/0000894671-24-000012-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$2,793,000"},{"label":"EPS","value":"$.58"},{"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"}