secwatch.observer — SEC 8-K summary
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Issuer:     OHIO VALLEY BANC CORP (OVBC)
CIK:        0000894671
Form:       8-K
Filed at:   2026-01-27T23:59:59+00:00
Accession:  0000894671-26-000007
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02
LLM model:  deepseek-v4-flash:cloud@v2

Ohio Valley Banc Q4 net income $3.955M (+57.3% YoY); EPS $0.84
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/894671/000089467126000007/0000894671-26-000007-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/894671/000089467126000007/sec8kearngsrels123125.htm
  HTML page:      https://secwatch.observer/filing/0000894671-26-000007

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