secwatch.observer — SEC 8-K summary
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Issuer:     OHIO VALLEY BANC CORP (OVBC)
CIK:        0000894671
Form:       8-K
Filed at:   2025-10-27T23:59:59+00:00
Accession:  0000894671-25-000044
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/894671/000089467125000044/0000894671-25-000044-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/894671/000089467125000044/sec8kearngsrels093025.htm
  HTML page:      https://secwatch.observer/filing/0000894671-25-000044

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