{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-25-000032","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2025-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.624980+00:00","generated_at":"2026-05-18T01:47:35.304852+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Ohio Valley Banc Q2 net income up 41.7% to $4.21M; EPS $0.89 vs $0.63 YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-25-000032","json":"https://secwatch.observer/filing/0000894671-25-000032.json","markdown":"https://secwatch.observer/filing/0000894671-25-000032.md","text":"https://secwatch.observer/filing/0000894671-25-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467125000032/0000894671-25-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467125000032/sec8kearngsrels063025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T01:47:35.304852+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"}