{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-24-000023","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2024-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.298658+00:00","generated_at":"2026-05-30T09:54:51.308341+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Ohio Valley Banc Q3 net income up 20.8% YoY to $2.72M; loan growth exceeds expectations","bullets":["Q3 2024 EPS $0.58 vs $0.47 YoY; net income $2.72M, up 20.8%.","Nine-month net income $8.48M ($1.79 EPS), down from $9.41M ($1.97 EPS) in 2023.","Loan growth of $77M in 2024, driven by commercial and residential; net interest margin improved sequentially.","Voluntary early retirement program: $295K expense in Q3, expects additional $3.04M in Q4 to reduce future salary costs.","Ohio HomeBuyer Plus program drove $100M in deposits and $109M securities increase; exited indirect auto/RV lending Oct 11."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-24-000023","json":"https://secwatch.observer/filing/0000894671-24-000023.json","markdown":"https://secwatch.observer/filing/0000894671-24-000023.md","text":"https://secwatch.observer/filing/0000894671-24-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467124000023/0000894671-24-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467124000023/sec8kearngsrels093024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T09:54:51.308341+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"}