{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-26-000007","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.977015+00:00","generated_at":"2026-05-16T07:45:58.968340+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Ohio Valley Banc Q4 net income $3.955M (+57.3% YoY); EPS $0.84","bullets":["Full-year 2025 net income $15.601M (+41.8%); EPS $3.31 vs $2.32 in 2024.","Net interest margin expanded to 4.18% in Q4 (3.70% Q4 2024) driven by higher loan yields and lower funding costs.","Total loans grew $134M (12.6%) to $1.196B; nonperforming loans rose to 1.40% (0.46% year-end 2024) on two commercial loans.","Sold $36.9M in low-yield securities at $3.747M loss, reinvested at 4.52% yield to boost future NIM.","Q4 dividend $0.23/share, up from $0.22 in Q4 2024; annual dividend $0.91 vs $0.88."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-26-000007","json":"https://secwatch.observer/filing/0000894671-26-000007.json","markdown":"https://secwatch.observer/filing/0000894671-26-000007.md","text":"https://secwatch.observer/filing/0000894671-26-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467126000007/0000894671-26-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467126000007/sec8kearngsrels123125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:45:58.968340+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"}