---
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"
generated_at: "2026-05-23T06:32:35.521302+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000894671-25-000020
- JSON: https://secwatch.observer/filing/0000894671-25-000020.json
- Plain text: https://secwatch.observer/filing/0000894671-25-000020.txt

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