secwatch.observer — SEC 8-K summary
======================================

Issuer:     OHIO VALLEY BANC CORP (OVBC)
CIK:        0000894671
Form:       8-K
Filed at:   2025-07-25T23:59:59+00:00
Accession:  0000894671-25-000032
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/894671/000089467125000032/0000894671-25-000032-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/894671/000089467125000032/sec8kearngsrels063025.htm
  HTML page:      https://secwatch.observer/filing/0000894671-25-000032

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