secwatch.observer — SEC 8-K summary
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Issuer:     OHIO VALLEY BANC CORP (OVBC)
CIK:        0000894671
Form:       8-K
Filed at:   2025-04-25T23:59:59+00:00
Accession:  0000894671-25-000020
Event type: earnings
Sentiment:  positive
Materiality: 0.55
Item codes: 2.02
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/894671/000089467125000020/0000894671-25-000020-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/894671/000089467125000020/sec8kearngsrels033125.htm
  HTML page:      https://secwatch.observer/filing/0000894671-25-000020

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer