Ohio Valley Banc reports Q1 net income $4.3M, down 2.5% YoY; NPL ratio rises to 1.64%

OHIO VALLEY BANC CORP

Net income $4.297M ($0.91 EPS) vs $4.406M ($0.94 EPS) in Q1 2025; ROA 1.08% vs 1.20%.
Net interest income up 13.3% to $14.888M; net interest margin expanded to 4.01% from 3.85%.
Provision for credit losses surged to $1.622M from $0.416M, driven by $2.031M specific allocation on two collateral-dependent loans.
Nonperforming loan ratio 1.64% (Mar 31) vs 1.40% (Dec 31) and 0.48% (Mar 31 2025); ACL ratio 1.07%.
Noninterest income fell $358K due to expiration of a tax processing agreement; salaries and benefits rose 5.6%.

item 2.02

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.9

OHIO VALLEY BANC CORP reported the quarter ended March 31, 2026 results: net income $4,297,000, EPS $.91.

Period: the quarter ended March 31, 2026
Net income: $4,297,000
EPS: $.91
Result: reported results

Exact text from the filing

Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended March 31, 2026, of $4,297,000, a decrease of $109,000, or 2.5%, from the same period during the prior year. Earnings per share for the first quarter of 2026 were $.91, compared to $.94 for the first quarter of 2025.

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Source: SEC EDGAR

accession 0000894671-26-000030

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