{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-25-000003","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.720945+00:00","generated_at":"2026-05-27T08:50:45.929212+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 Q4 net income down 22% to $2.5M; full-year EPS $2.32 vs $2.65","bullets":["Q4 net income $2.515M ($0.53 EPS) vs $3.223M ($0.68) a year ago; FY 2024 net income $10.999M ($2.32 EPS), down 12.9%.","Two one-time expenses: $3.3M voluntary early retirement program and $496k Sweet Home Ohio account bonuses.","Net interest income increased $1.755M Q4, $2.777M FY; net interest margin fell 23 bps to 3.71%.","Total assets $1.503B (+$151M), deposits +$148M, loans +$90M; nonperforming loans ratio rose to 0.46% from 0.26%.","Dividend $0.22 per share unchanged; book value $31.91 (+5.8%); ROAA 0.77% vs 0.99%."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-25-000003","json":"https://secwatch.observer/filing/0000894671-25-000003.json","markdown":"https://secwatch.observer/filing/0000894671-25-000003.md","text":"https://secwatch.observer/filing/0000894671-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467125000003/0000894671-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467125000003/sec8kearngsrels123124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:50:45.929212+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"}