---
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"
generated_at: "2026-05-31T16:06:28.986487+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Ohio Valley Banc Q2 net income down 8.5% to $2.97M; EPS $0.63 vs $0.68

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000894671-24-000018
- JSON: https://secwatch.observer/filing/0000894671-24-000018.json
- Plain text: https://secwatch.observer/filing/0000894671-24-000018.txt

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