---
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"
generated_at: "2026-06-22T23:06:50.131880+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Ohio Valley Banc Q3 net income $3.69M, EPS $0.77, +21.5% YoY; net interest margin expands

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-22-038762
- JSON: https://secwatch.observer/filing/0001140361-22-038762.json
- Plain text: https://secwatch.observer/filing/0001140361-22-038762.txt

## Key facts
- Earnings Releases
  OHIO VALLEY BANC CORP reported the nine months ended September 30, 2022 results: net income $9,814,000, EPS $2.06.
  - Period: the nine months ended September 30, 2022
  - Net income: $9,814,000
  - EPS: $2.06
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/894671/000114036122038762/0001140361-22-038762-index.htm
- Earnings Releases
  OHIO VALLEY BANC CORP reported the quarter ended September 30, 2022 results: net income $3,690,000, EPS $.77.
  - Period: the quarter ended September 30, 2022
  - Net income: $3,690,000
  - EPS: $.77
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/894671/000114036122038762/0001140361-22-038762-index.htm

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