Welcome to our dedicated page for Ohio Valley Banc SEC filings (Ticker: OVBC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Ohio Valley Banc Corp (OVBC) files a range of documents with the U.S. Securities and Exchange Commission that provide detailed insight into its operations as a financial holding company based in Gallipolis, Ohio. This SEC filings page brings those disclosures together and pairs them with AI-generated summaries to help readers interpret the information more efficiently.
For Ohio Valley Banc Corp, periodic reports such as the annual report on Form 10-K and quarterly reports on Form 10-Q typically include discussions of net interest income, net interest margin, loan portfolio composition, deposit funding, provision for credit losses, noninterest income, and noninterest expense. These filings also describe trends in commercial real estate, commercial and industrial, residential real estate, and consumer lending, as well as participation in programs like Ohio Homebuyer Plus and related products such as the Sweet Home Ohio deposit account.
Current reports on Form 8-K, several of which are referenced in the provided data, disclose material events including quarterly earnings results, Board declarations of quarterly cash dividends on common shares, and changes to the company’s share repurchase program. Some 8-K filings also reference press releases announcing index inclusion, such as Ohio Valley Banc Corp’s addition to the Russell 3000 Index.
On this page, users can access these filings as they are made available through EDGAR, along with AI-powered explanations that highlight key figures, contextualize changes in earnings and capital management, and clarify technical sections. Filings related to insider transactions, such as Form 4, and proxy statements detailing governance and compensation matters can also be reviewed here to build a fuller picture of Ohio Valley Banc Corp’s regulatory and financial reporting history.
Ohio Valley Banc Corp. files its Annual Report describing its community banking operations and risks for 2025. The Ohio-based financial holding company, traded on the NASDAQ Global Market as OVBC, operates mainly through The Ohio Valley Bank Company and several specialized subsidiaries.
As of December 31, 2025, consolidated assets were approximately $1,582,654,000 and total shareholders’ equity was approximately $170,257,000, both higher than 2024. The loan portfolio reached $1,196,018,000, driven by commercial and residential real estate growth, while consumer loans declined.
Interest and fee revenue from loans provided 77.84% of total consolidated revenues in 2025, with investment securities contributing 10.03%. The report also details funding sources, regulatory capital requirements, cybersecurity expectations, and extensive risk factors tied to interest rates, regional economies in Ohio and West Virginia, liquidity, competition, technology, and regulatory change.
OHIO VALLEY BANC CORP director Anna P. Barnitz reported a small disposition of indirect holdings and updated her remaining stake in the company. She disposed of 38.6125 common shares at $42.31 per share in a transaction coded as a disposition to the issuer from an indirect account held as custodian for her daughter.
After this transaction, she reports direct ownership of 8,909.5505 common shares. She also reports continuing indirect holdings of 38.6125 common shares as custodian for one son and 38.6125 common shares as custodian for another son. These entries reflect her current ownership positions rather than additional transactions.
Ohio Valley Banc Corp. announced upcoming board leadership changes driven by planned retirements. Director David W. Thomas plans to retire from the boards of the company and The Ohio Valley Bank Company at the 2026 Annual Meeting of Shareholders, in line with the mandatory retirement age of 70 and not due to any disagreement. At the same meeting, Thomas E. Wiseman will retire from his role as Chairman of the Board of both entities but will continue to serve as a director, helping maintain continuity in board oversight.
Ohio Valley Banc Corp director Michael Seth Isaac reported small share purchases under a dividend reinvestment plan. On February 13, 2026, he made an open-market purchase of 69.3648 common shares at $42.81 per share and a separate transaction of 3.2786 common shares at $42.81, noted as voluntary cash for the company’s dividend reinvestment plan. Following these transactions, he directly owned 689.1673 common shares of Ohio Valley Banc Corp.
BARNITZ ANNA P reported open-market purchase transactions in a Form 4 filing for OVBC. The filing lists transactions totaling 82 shares at a weighted average price of $42.81 per share. Following the reported transactions, holdings were 39 shares.
ROBERTS EDWARD BRYANT reported multiple insider transaction types in a Form 4 filing for OVBC. The filing lists transactions totaling 75 shares at a weighted average price of $42.81 per share. Following the reported transactions, holdings were 5,767 shares.
Ohio Valley Banc Corp received an amended Schedule 13G filing reporting that affiliated entities, including Ohio Valley Bank Company and the Ohio Valley Banc Corp. Employees' Stock Ownership Plan and Trust, beneficially own a minority portion of the company’s common stock. The filing classifies the reporting entities as a bank and an employee benefit plan and states that the shares were acquired and are held in the ordinary course of business. It also certifies that the holdings are not intended to change or influence control of Ohio Valley Banc Corp.
Ohio Valley Banc Corp. reported record earnings for 2025, with net income of $15.6 million, up 41.8% from 2024, and earnings per share rising to $3.31 from $2.32. For the fourth quarter, net income was $4.0 million and EPS $0.84, both sharply higher than a year earlier. Return on average assets improved to 1.02% and return on average equity to 9.83% for the year.
Results were driven by stronger core banking performance. Net interest income grew to $57.7 million for 2025, helped by a higher net interest margin of 4.07% versus 3.71%, as the loan portfolio expanded by $134 million and the bank shifted funding toward lower-cost deposits. Total assets reached $1.58 billion, with loans up 12.6% year over year.
Noninterest income fell as the company realized $3.7 million in losses on sales of lower-yielding securities to reinvest at higher rates, and other income declined. Noninterest expense dropped to $44.2 million, reflecting savings after a 2024 early retirement program. Credit quality metrics weakened as nonperforming loans rose to 1.40% of total loans, though the allowance for credit losses remained near 1% of loans.
Ohio Valley Banc Corp reported that one of its officers, serving as Risk Officer/COO, disposed of 6,250 common shares on 12/11/2025 at $41.6636 per share. After this transaction, the officer beneficially owns 27,913 common shares directly and 2,130.575 shares indirectly through an ESOP.