{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-25-000044","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.523853+00:00","generated_at":"2026-05-17T02:17:49.357130+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Ohio Valley Banc Q3 net income rises 11.4% to $3.03M; EPS $0.64","bullets":["Q3 net income $3.03M ($0.64 EPS), up 11.4% from $2.72M ($0.58 EPS) year ago.","Nine-month net income $11.65M ($2.47 EPS), up 37.3% from $8.48M ($1.79 EPS).","Net interest margin improved to 4.05% (Q3) from 3.76%; YTD NIM 4.03% vs 3.71%.","Sold $11M securities yielding 1.32%, reinvested at 4.37% to enhance future NIM.","YTD loan growth $69M; nonperforming loans ratio improved to 0.42% from 0.44%."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-25-000044","json":"https://secwatch.observer/filing/0000894671-25-000044.json","markdown":"https://secwatch.observer/filing/0000894671-25-000044.md","text":"https://secwatch.observer/filing/0000894671-25-000044.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467125000044/0000894671-25-000044-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467125000044/sec8kearngsrels093025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:17:49.357130+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"}