---
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"
generated_at: "2026-05-15T03:33:44.187854+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000894671-26-000030
- JSON: https://secwatch.observer/filing/0000894671-26-000030.json
- Plain text: https://secwatch.observer/filing/0000894671-26-000030.txt

## Key facts
- Earnings Releases
  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
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/894671/000089467126000030/0000894671-26-000030-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.