{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-24-000018","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2024-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.220130+00:00","generated_at":"2026-05-31T16:06:28.986487+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Ohio Valley Banc Q2 net income down 8.5% to $2.97M; EPS $0.63 vs $0.68","bullets":["Net income for Q2 2024 fell to $2.972M from $3.249M YoY; H1 net income down 19.4%.","Net interest margin compressed 29 bps in Q2 to 3.74%, but improved 13 bps sequentially.","Loans grew $68M since year-end; provision for credit losses increased $157k in Q2.","Noninterest expense rose $448k in Q2 due to higher salaries and data processing costs.","Dividend per share cut to $0.22 from $0.37 YoY; company repurchased $1.93M in stock."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-24-000018","json":"https://secwatch.observer/filing/0000894671-24-000018.json","markdown":"https://secwatch.observer/filing/0000894671-24-000018.md","text":"https://secwatch.observer/filing/0000894671-24-000018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467124000018/0000894671-24-000018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467124000018/sec8kearngsrels063024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:06:28.986487+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}