---
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"
generated_at: "2026-05-18T01:47:35.304852+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000894671-25-000032
- JSON: https://secwatch.observer/filing/0000894671-25-000032.json
- Plain text: https://secwatch.observer/filing/0000894671-25-000032.txt

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