O
OHIO VALLEY BANC CORP
Period
FY 2025
Revenue
—
Net Income
$15.60M
Total Assets
$1.58B
Equity
$170.26M
Shares Out
4.71M
Op. Cash Flow
$18.09M
Business
Ohio Valley Banc Corp. is a financial holding company providing community banking services through its subsidiary The Ohio Valley Bank Company, which operates eighteen offices in southeastern Ohio and western West Virginia. The Bank offers commercial and retail deposit and lending services, including checking, savings, time deposits, personal loans, commercial loans, residential real estate mortgages, credit cards, and trust services. Ohio Valley also owns Loan Central, a consumer finance subsidiary offering personal and mortgage loans to higher-risk borrowers and tax preparation services, and Ohio Valley Financial Services, an insurance agency.
Summary from 10-K filed 2026-03-13
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Loans, including fees | 73 | 65 | 55 | 42 | 42 | |
| Taxable | 9 | 6 | 4 | 3 | 2 | |
| Tax exempt | 110,000 | 132,000 | 162,000 | 180,000 | 236,000 | |
| Dividends | 372,000 | 384,000 | 324,000 | 316,000 | 231,000 | |
| Interest-bearing deposits with banks | 2 | 4 | 3 | 1 | 163,000 | |
| Total interest and dividend income | 85 | 76 | 62 | 48 | 45 | |
| Deposits | 25 | 25 | 14 | 2 | 3 | |
| Other borrowed funds | 2 | 2 | 1 | 412,000 | 564,000 | |
| Subordinated debentures | 531,000 | 618,000 | 597,000 | 296,000 | 158,000 | |
| Total interest expense | 27 | 27 | 16 | — | — | |
| Net interest income | 58 | 49 | 46 | 45 | 41 | |
| Provision for credit losses | 3 | 2 | 2 | −32,000 | −419,000 | |
| Net interest income after provision for credit losses | 55 | 46 | 44 | 45 | 41 | |
| Service charges on deposit accounts | 3 | 3 | 3 | 2 | 2 | |
| Trust fees | 376,000 | 404,000 | 326,000 | 325,000 | 285,000 | |
| Income from bank owned life insurance and annuity assets | 986,000 | 929,000 | 860,000 | 883,000 | 904,000 | |
| Mortgage banking income | 182,000 | 163,000 | 175,000 | 697,000 | 854,000 | |
| Electronic refund check / deposit fees | 676,000 | 675,000 | 675,000 | 675,000 | 675,000 | |
| Debit / credit card interchange income | 5 | 5 | 5 | 5 | 5 | |
| Loss on sale of available for sale securities | −4 | 0 | −23,000 | −2 | −1 | |
| Tax preparation fees | 641,000 | 644,000 | 669,000 | 743,000 | 754,000 | |
| Other | 2 | 2 | 2 | 1 | 950,000 | |
| Total noninterest income | 9 | 13 | 13 | 10 | 10 | |
| Salaries and employee benefits | 25 | 28 | 23 | 22 | 22 | |
| Occupancy | 2 | 2 | 2 | 2 | 2 | |
| Furniture and equipment | 1 | 1 | 1 | 1 | 1 | |
| Professional fees | 2 | 2 | 2 | 2 | 2 | |
| Marketing expense | 1 | 820,000 | 1 | 1 | 826,000 | |
| FDIC insurance | 698,000 | 648,000 | 569,000 | 335,000 | 326,000 | |
| Data processing | 4 | 3 | 3 | 3 | 2 | |
| Software | 2 | 2 | 3 | 2 | 2 | |
| Other | 6 | 6 | 6 | 6 | 6 | |
| Total noninterest expense | 44 | 46 | 41 | 39 | 37 | |
| Income before income taxes | 19 | 13 | 15 | 16 | 14 | |
| Provision for income taxes | 4 | 2 | 3 | 3 | 2 | |
| NET INCOME | 16 | 11 | 13 | 13 | 12 | |
| Earnings per share (in dollars per share) | 3.31 | 2.32 | 2.65 | 2.8 | 2.45 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and noninterest-bearing deposits with banks | 15 | 16 | 14 | 14 | 14 | |
| Interest-bearing deposits with banks | 31 | 67 | 114 | 32 | 138 | |
| Total cash and cash equivalents | 46 | 83 | 128 | 46 | 152 | |
| Securities available for sale | 254 | 268 | 162 | 184 | 177 | |
| Securities held to maturity, net of allowance for credit losses of $1 in 2025 and 2024 | 5 | 7 | 8 | 9 | — | |
| Restricted investments in bank stocks | 5 | 5 | 5 | 6 | 7 | |
| Total loans | 1,196 | 1,062 | 972 | 885 | 831 | |
| Less: Allowance for credit losses | −12 | −10 | −9 | −7 | −6 | |
| Net loans | 1,184 | 1,052 | 963 | 880 | 825 | |
| Premises and equipment, net | 21 | 21 | 21 | 20 | 21 | |
| Premises and equipment held for sale, net | 400,000 | 507,000 | 573,000 | 593,000 | 438,000 | |
| Accrued interest receivable | 5 | 5 | 4 | 3 | 3 | |
| Goodwill | 7 | 7 | 7 | 7 | 7 | |
| Bank owned life insurance and annuity assets | 43 | 42 | 41 | 40 | 37 | |
| Operating lease right-of-use asset, net | 923,000 | 1 | 1 | 1 | 1 | |
| Deferred tax assets | 6 | 7 | 6 | 6 | 2 | |
| Other assets | 4 | 4 | 5 | 5 | 4 | |
| Total assets | 1,583 | 1,503 | 1,352 | 1,211 | 1,250 | |
| Noninterest-bearing deposits | 314 | 322 | 322 | 354 | 354 | |
| Interest-bearing deposits | 1,016 | 953 | 805 | 673 | 706 | |
| Total deposits | 1,330 | 1,275 | 1,127 | 1,028 | 1,060 | |
| Other borrowed funds | 45 | 40 | 45 | 18 | 20 | |
| Subordinated debentures | 9 | 9 | 9 | 9 | 9 | |
| Operating lease liability | 923,000 | 1 | 1 | 1 | 1 | |
| Allowance for credit losses on off-balance sheet commitments | 871,000 | 582,000 | 692,000 | 0 | — | |
| Other liabilities | 28 | 28 | 26 | 20 | — | |
| Total liabilities | 1,412 | 1,353 | 1,208 | 1,076 | 1,108 | |
| Contingent Liabilities | — | — | — | — | — | |
| Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 5,490,995 shares issued) | 5 | 5 | 5 | 5 | 5 | |
| Additional paid-in capital | 52 | 52 | 52 | 52 | 51 | |
| Retained earnings | 133 | 122 | 115 | 109 | 101 | |
| Accumulated other comprehensive income (loss) | −2 | −10 | −11 | −15 | 708,000 | |
| Treasury stock, at cost (779,994 shares) | −19 | −19 | — | — | — | |
| Total shareholders' equity | 170 | 150 | 144 | 133 | 141 | |
| Total liabilities and shareholders' equity | 1,583 | 1,503 | 1,352 | 1,211 | 1,250 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Depreciation of premises and equipment | 2 | 2 | 2 | 1 | 1 | |
| Accretion of building grant | −3,000 | −3,000 | −4,000 | −3,000 | 0 | |
| Net amortization (accretion) of purchase accounting adjustments | −2,000 | −8,000 | −1,000 | 34,000 | 37,000 | |
| Net amortization (accretion) of securities | −1 | −1 | −478,000 | 100,000 | 815,000 | |
| Proceeds from sale of loans in secondary market | 2 | 590,000 | 125,000 | 8 | 19 | |
| Loans disbursed for sale in secondary market | −2 | −588,000 | −124,000 | −7 | −18 | |
| Amortization of mortgage servicing rights | 47,000 | 52,000 | 53,000 | 71,000 | 103,000 | |
| Gain on sale of loans | −229,000 | −215,000 | −228,000 | −768,000 | −946,000 | |
| Accretion of purchased loan discount | −2 | 0 | 7,000 | 22,000 | 0 | |
| Amortization of intangible assets | 0 | 8,000 | — | — | — | |
| Deferred tax (benefit) expense | −841,000 | −1 | −745,000 | 288,000 | −130,000 | |
| Contribution of common stock to ESOP | 0 | 500,000 | 125,000 | 575,000 | 0 | |
| Income from bank owned life insurance and annuity assets | −986,000 | −929,000 | −860,000 | −883,000 | −904,000 | |
| Change in accrued interest receivable | −671,000 | −1 | −494,000 | −417,000 | 624,000 | |
| Change in other liabilities | −561,000 | 2 | 6 | 1 | −113,000 | |
| Change in other assets | 242,000 | 461,000 | 1 | −1 | −1 | |
| Net cash provided by operating activities | 18 | 13 | 21 | 16 | 13 | |
| Proceeds from sales of securities available for sale | 33 | 0 | 1 | 11 | 48 | |
| Proceeds from maturities and paydowns of securities available for sale | 133 | 35 | 26 | 28 | 41 | |
| Purchases of securities available for sale | −143 | −138 | −586,000 | −67 | −158 | |
| Proceeds from calls and maturities of securities held to maturity | 2 | 919,000 | 1 | 1 | 4 | |
| Purchases of restricted investments in bank stocks | −251,000 | −80,000 | −969,000 | 0 | — | |
| Redemptions of restricted investments in bank stocks | 0 | 110,000 | 2 | 1 | — | |
| Net change in loans | −134 | −91 | −87 | −55 | 17 | |
| Purchases of premises and equipment | −1 | −1 | −3 | −2 | −1 | |
| Disposals of premises and equipment | 200,000 | 29,000 | 219,000 | 420,000 | 486,000 | |
| Purchases of bank owned life insurance and annuity assets | −500,000 | −772,000 | −250,000 | −1 | −550,000 | |
| Withdrawals from bank owned life insurance and annuity assets | 229,000 | 246,000 | — | — | — | |
| Net cash (used in) investing activities | −111 | −195 | −60 | −83 | −52 | |
| Change in deposits | 54 | 148 | 99 | −32 | 66 | |
| Cash dividends | −4 | −4 | −5 | −5 | −4 | |
| Purchases of treasury stock | 0 | −2 | −82,000 | 0 | — | |
| Proceeds from Federal Home Loan Bank borrowings | 10 | 2,000 | 30 | 2,000 | 600,000 | |
| Repayment of Federal Home Loan Bank borrowings | −5 | −5 | −3 | −2 | −8 | |
| Change in other short-term borrowings | 100,000 | 107,000 | 18,000 | 238,000 | −1 | |
| Net cash provided by financing activities | 55 | 137 | 121 | −39 | 53 | |
| Change in cash and cash equivalents | −37 | −45 | 82 | −106 | 14 | |
| Cash paid for interest | 26 | 28 | 10 | 3 | 4 | |
| Cash paid for income taxes | 5 | 4 | — | — | — | |
| Operating lease liability arising from obtaining right-of-use asset | 90,000 | 0 | 187,000 | 108,000 | 570,000 |
Filings
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Frequently asked questions
What is OHIO VALLEY BANC CORP's CIK number?
OHIO VALLEY BANC CORP's SEC CIK number is 0000894671 (894671). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find OHIO VALLEY BANC CORP's SEC filings?
All of OHIO VALLEY BANC CORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did OHIO VALLEY BANC CORP last report earnings?
OHIO VALLEY BANC CORP (OVBC) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000894671-26-000030). This is OHIO VALLEY BANC CORP's most recent earnings filing of record — not a forecast of its next earnings date.
What is OHIO VALLEY BANC CORP's most recent earnings 8-K?
OHIO VALLEY BANC CORP's latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0000894671-26-000030. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View OHIO VALLEY BANC CORP's latest earnings 8-K →
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