{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-22-038762","form_type":"8-K","ticker":"OVBC","cik":"0000894671","company_name":"OHIO VALLEY BANC CORP","filed_at":"2022-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.913165+00:00","generated_at":"2026-06-22T23:06:50.131880+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Ohio Valley Banc Q3 net income $3.69M, EPS $0.77, +21.5% YoY; net interest margin expands","bullets":["Net income $3.690M vs $3.036M in Q3 2021; diluted EPS $0.77 vs $0.63.","Net interest margin rose to 4.03% from 3.57% a year ago; net interest income up $1.486M.","Negative provision for loan losses of $378k vs $93k negative in prior year; nonperforming loans improved to 0.46% from 0.72%.","Noninterest expense increased $878k to $10.347M largely due to Race Day Mortgage staffing and marketing."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-22-038762","json":"https://secwatch.observer/filing/0001140361-22-038762.json","markdown":"https://secwatch.observer/filing/0001140361-22-038762.md","text":"https://secwatch.observer/filing/0001140361-22-038762.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/894671/000114036122038762/0001140361-22-038762-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894671/000114036122038762/brhc10043382_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T23:06:50.131880+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":"28e274e465d2c4a3c3f5debd94a793a71a4a3601","claim":"OHIO VALLEY BANC CORP reported the nine months ended September 30, 2022 results: net income $9,814,000, EPS $2.06.","evidence_excerpt":"For the nine months ended September 30, 2022, net income totaled $9,814,000, an increase of $386,000, or 4.1%, from the same period the prior year. Earnings per share were $2.06 for the first nine months of 2022 versus $1.97 for the first nine months of 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/894671/000114036122038762/0001140361-22-038762-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2022"},{"label":"Net income","value":"$9,814,000"},{"label":"EPS","value":"$2.06"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"600b21f0ea0748ef796bd235789ccd652a5de1a9","claim":"OHIO VALLEY BANC CORP reported the quarter ended September 30, 2022 results: net income $3,690,000, EPS $.77.","evidence_excerpt":"Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended September 30, 2022, of $3,690,000, an increase of $654,000, or 21.5%, from the same period the prior year. Earnings per share for the third quarter of 2022 were $.77 compared to $.63 for the prior year third quarter.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/894671/000114036122038762/0001140361-22-038762-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2022"},{"label":"Net income","value":"$3,690,000"},{"label":"EPS","value":"$.77"},{"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"}