Ohio Valley Banc Q2 net income up 41.7% to $4.21M; EPS $0.89 vs $0.63 YoY

OHIO VALLEY BANC CORP

Net income $4.21M (EPS $0.89) vs $2.97M ($0.63) in Q2 2024; six-month EPS $1.83 vs $1.21.
Net interest margin expanded to 4.17% from 3.74% YoY, driven by higher yielding assets and lower deposit costs.
Loan growth of $58M in Q2, led by commercial real estate and residential lending; total loans $1.10B at June 30.
Provision for credit losses increased to $1.15M vs $181K YoY, reflecting loan growth and higher modeled loss rates.
Dividend per share $0.23, up from $0.22; book value per share $34.12 vs $30.94 a year ago.

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