---
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"
generated_at: "2026-05-27T08:50:45.929212+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Ohio Valley Banc Q4 net income down 22% to $2.5M; full-year EPS $2.32 vs $2.65

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000894671-25-000003
- JSON: https://secwatch.observer/filing/0000894671-25-000003.json
- Plain text: https://secwatch.observer/filing/0000894671-25-000003.txt

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