Ohio Valley Banc Q1 net income $4.4M (+58% YoY); EPS $0.94, NIM expands to 3.85%

OHIO VALLEY BANC CORP

Net income $4,406K vs $2,793K Q1 2024; diluted EPS $0.94 vs $0.58.
Net interest margin 3.85% (Q1 2024: 3.61%) on higher earning assets and lower funding costs.
Average earning assets +$136M to $1,397M; lower-cost deposits funded growth, CDs up only $8M.
Nonperforming loans / total loans 0.48% (Dec 2024: 0.46%); allowance 0.97% (0.95%).
ROAA 1.20% and ROAE 11.82%, up from 0.83% and 7.77% a year ago.

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