Ohio Valley Banc Corp. Reports Q3 2025 Financials

TL;DR

OVBC dropped its Q3 2025 earnings report on 10/27/25.

AI Summary

Ohio Valley Banc Corp. announced its financial results for the period ending September 30, 2025, on October 27, 2025. The company, incorporated in Ohio with its principal executive offices in Gallipolis, reported its earnings in an 8-K filing.

Why It Matters

This filing provides investors with the latest financial performance data for Ohio Valley Banc Corp., crucial for assessing the company's health and making investment decisions.

Risk Assessment

Risk Level: low — This is a routine earnings report filing with no unusual or high-risk disclosures.

Key Players & Entities

• OHIO VALLEY BANC CORP (company) — Registrant
• October 27, 2025 (date) — Date of Report
• September 30, 2025 (date) — Period End Date
• Gallipolis, Ohio (location) — Principal Executive Offices

FAQ

Key Financial Figures

• $3,030,000 — he quarter ended September 30, 2025, of $3,030,000, an increase of $311,000, or 11.4%, fro
• $311,000 — 30, 2025, of $3,030,000, an increase of $311,000, or 11.4%, from the same period the pri
• $11,646,000 — September 30, 2025, net income totaled $11,646,000, an increase of $3,162,000, or 37.3%, f
• $3,162,000 — ome totaled $11,646,000, an increase of $3,162,000, or 37.3%, from the same period the pri
• $2.47 — the prior year. Earnings per share were $2.47 for the first nine months of 2025 versu
• $1.79 — or the first nine months of 2025 versus $1.79 for the first nine months of 2024. Retu
• $2,016,000 — 30, 2025, net interest income increased $2,016,000, and for the nine months ended Septembe
• $6,538,000 — 30, 2025, net interest income increased $6,538,000 from the same respective periods last y
• $114 million — 2025, average earning assets increased $114 million from the same period last year, led by
• $75 million — m the same period last year, led by the $75 million growth in average securities and the $6
• $65 million — on growth in average securities and the $65 million growth in average loans. The growth in
• $9.0 m — nce of Sweet Home Ohio accounts totaled $9.0 million, as compared to $5.3 million at S
• $5.3 million — ts totaled $9.0 million, as compared to $5.3 million at September 30, 2024. For each Sweet H
• $72.5 m — ount deposited by the Treasurer totaled $72.5 million, a decrease from $99.6 million at
• $99.6 million — totaled $72.5 million, a decrease from $99.6 million at September 30, 2024. Since the Treasu

Filing Documents

• sec8kearngsrels093025.htm (8-K) — 285KB
• 0000894671-25-000044.txt ( ) — 424KB
• ovbc-20251027.xsd (EX-101.SCH) — 4KB
• ovbc-20251027_lab.xml (EX-101.LAB) — 21KB
• ovbc-20251027_pre.xml (EX-101.PRE) — 16KB
• sec8kearngsrels093025_htm.xml (XML) — 4KB

02. Results of Operations and Financial Condition

Item 2.02. Results of Operations and Financial Condition GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") reported consolidated net income for the quarter ended September 30, 2025, of $3,030,000, an increase of $311,000, or 11.4%, from the same period the prior year. Earnings per share for the third quarter of 2025 were $.64 compared to $.58 for the prior year third quarter. For the nine months ended September 30, 2025, net income totaled $11,646,000, an increase of $3,162,000, or 37.3%, from the same period the prior year. Earnings per share were $2.47 for the first nine months of 2025 versus $1.79 for the first nine months of 2024. Return on average assets and return on average equity were 1.03% and 9.95%, respectively, for the first nine months of 2025, compared to .81% and 7.80%, respectively, for the same period in the prior year. Ohio Valley Banc Corp. President and CEO, Larry Miller said, "The strong growth in net income afforded us the opportunity to harvest some losses in our securities portfolio, allowing us to plant the seeds for future interest income and net interest margin improvement. These robust results are a credit to the hard work and relationship building efforts of all our employees as we seek to enhance shareholder value." For the three months ended September 30, 2025, net interest income increased $2,016,000, and for the nine months ended September 30, 2025, net interest income increased $6,538,000 from the same respective periods last year. These increases were related to the increase in both average earning assets and the net interest margin for the respective periods. For the nine months ended September 30, 2025, average earning assets increased $114 million from the same period last year, led by the $75 million growth in average securities and the $65 million growth in average loans. The growth in average securities was related to the Company participating in a program offered by the Ohio Treasurer called Ohio Ho

SIGNATURES

SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. OHIO VALLEY BANC CORP. Date: October 27, 2025 By: /s/Larry E. Miller, II Larry E. Miller, II President and Chief Executive Officer