{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-25-000020","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2025-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.702370+00:00","generated_at":"2026-05-23T06:32:35.521302+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Ohio Valley Banc Q1 net income $4.4M (+58% YoY); EPS $0.94, NIM expands to 3.85%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-25-000020","json":"https://secwatch.observer/filing/0000894671-25-000020.json","markdown":"https://secwatch.observer/filing/0000894671-25-000020.md","text":"https://secwatch.observer/filing/0000894671-25-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467125000020/0000894671-25-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467125000020/sec8kearngsrels033125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T06:32:35.521302+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"}