{"schema_version":"secwatch.filing_event.v1","accession":"0000894671-26-000030","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2026-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.896100+00:00","generated_at":"2026-05-15T03:33:44.187854+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Ohio Valley Banc reports Q1 net income $4.3M, down 2.5% YoY; NPL ratio rises to 1.64%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000894671-26-000030","json":"https://secwatch.observer/filing/0000894671-26-000030.json","markdown":"https://secwatch.observer/filing/0000894671-26-000030.md","text":"https://secwatch.observer/filing/0000894671-26-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000089467126000030/0000894671-26-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000089467126000030/sec8kearngsrels033126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T03:33:44.187854+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":[{"claim_id":"6e3d6c133545db2b44c921100abd31d90cd99709","claim":"OHIO VALLEY BANC CORP reported the quarter ended March 31, 2026 results: net income $4,297,000, EPS $.91.","evidence_excerpt":"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.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/894671/000089467126000030/0000894671-26-000030-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$4,297,000"},{"label":"EPS","value":"$.91"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}