Ohio Valley Banc Corp. filings document the financial reporting, governance, and capital actions of a Nasdaq-listed financial holding company with banking and consumer finance subsidiaries. Recent 8-K filings report results of operations, including consolidated net income, earnings per share, return metrics, net interest income, margin changes, earning-asset mix, loan growth, and securities portfolio activity.
The company's filings also record common-share dividend declarations, board and officer governance events, and annual proxy disclosures. Proxy materials cover shareholder meeting matters, director and board information, executive compensation, and related governance disclosures for Ohio Valley Banc Corp. and its banking subsidiary.
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.
Ohio Valley Banc Corp reported an insider Form 4 filing by a director showing a disposition of 125 common shares on 12/11/2025 at $41.71 per share. Following this transaction, the reporting person beneficially owned 40,333 common shares directly and 243 common shares indirectly, noted as held "By Ira."
Ohio Valley Banc Corp. (OVBC) reported Q3 2025 results. Net income was $3.0 million (up from $2.7 million a year ago) and EPS was $0.64 (vs. $0.58). Net interest income rose to $14.6 million (from $12.6 million), while the provision for credit losses was $1.1 million (vs. $0.9 million). Noninterest results included a $1.2 million loss on the sale of securities. For the nine months, net income was $11.6 million and EPS $2.47.
Total assets were $1.57 billion, loans reached $1.131 billion, and deposits totaled $1.332 billion at September 30, 2025. The allowance for credit losses on loans was $11.4 million. Accumulated other comprehensive loss improved to $(4.8) million, reflecting higher valuations in the securities portfolio. The company paid a quarterly cash dividend of $0.23 per share. Shares outstanding were 4,711,001 as of November 13, 2025.
Ohio Valley Banc Corp (OVBC) director reported multiple share acquisitions on 11/12/2025. The filing shows a purchase of 41.958 common shares at $35.75, and additional acquisitions tied to the dividend reinvestment plan, including 56.1636 shares and fractional credits of 0.2456 share into three custodial accounts for family members.
Following these transactions, the director’s direct holdings were 8,827.9215 shares. Indirect holdings in each custodial account were 38.4084 shares. Notes state the ending balances differ due to shares acquired under a dividend reinvestment plan and include voluntary cash contributions for the DRIP.
Ohio Valley Banc Corp (OVBC) reported an insider transaction on a Form 4. A director acquired common shares on 11/12/2025 via two entries: 83.9161 shares coded “P” at $35.75 and 3.4047 shares coded “J” at $35.75. Following these transactions, the director directly owned 616.5239 common shares.
The filing notes “Voluntary Cash for DRIP,” and explains the ending balance differs due to shares acquired under a dividend reinvestment plan.
Ohio Valley Banc Corp. (OVBC) reported stronger profitability. For the quarter ended September 30, 2025, net income was $3.03 million, up 11.4% year over year, and EPS was $0.64 versus $0.58. For the first nine months of 2025, net income reached $11.65 million, up 37.3%, with EPS of $2.47 versus $1.79.
Results were driven by higher net interest income and an improved net interest margin. Net interest income rose $2.02 million in Q3 and $6.54 million year to date, as average earning assets expanded and the margin increased to 4.05% in Q3 (from 3.76%) and 4.03% year to date (from 3.71%). The company realized a $1.219 million loss on securities sales, reinvesting $11.0 million from 1.32% yields into 4.37% yields to support future interest income.
Credit costs rose with a $1.112 million Q3 provision and $2.676 million year to date, tied to loan growth and charge-offs, while asset quality stayed stable: nonperforming loans were 0.42% of total loans. Total assets were $1.57 billion, loans increased $69 million since year end, deposits rose $57 million, and shareholders’ equity improved by $14.1 million, aided by earnings and higher accumulated other comprehensive income.
Ohio Valley Banc Corp. is extending its existing share repurchase program by one year, moving the expiration date from August 31, 2025 to August 31, 2026. The program authorizes the company to buy back up to $5,000,000 of its outstanding common stock. As of August 20, 2025, Ohio Valley Banc Corp. had already repurchased approximately $2,967,000 in common shares under this authorization, leaving capacity available for additional repurchases. Other than the new expiration date, the terms of the buyback program remain unchanged, and the Board of Directors may terminate or amend the program at any time before it expires.