---
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"
generated_at: "2026-05-17T02:17:49.357130+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Ohio Valley Banc Q3 net income rises 11.4% to $3.03M; EPS $0.64

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000894671-25-000044
- JSON: https://secwatch.observer/filing/0000894671-25-000044.json
- Plain text: https://secwatch.observer/filing/0000894671-25-000044.txt

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