Ohio Valley Banc Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	73.33	64.94	54.82	42.27	42.1
Interest Income on Investments	11.91	10.83	7.04	5.34	2.61
Total Interest Income	85.24	75.76	61.87	47.62	44.71
Interest Paid on Deposits	25.41	24.64	14.17	2.13	2.98
Interest Paid on Borrowings	2.08	2.32	1.66	0.71	0.72
Total Interest Expense	27.49	26.96	15.84	2.84	3.7
Net Interest Income	57.75	48.8	46.03	44.78	41.01
Net Interest Income Growth (YoY)	18.32%	6.03%	2.79%	9.18%	2.58%
Trust Income	0.38	0.4	0.33	0.33	0.29
Mortgage Banking Activities	0.18	0.16	0.18	0.7	0.85
Gain (Loss) on Sale of Investments	-3.75	-	-	-1.54	-1.07
Other Non-Interest Income	9.13	9.57	9.43	8.23	7.93
Total Non-Interest Income	8.97	13.17	12.63	10.16	9.86
Non-Interest Income Growth (YoY)	-31.90%	4.29%	24.28%	3.02%	4.51%
Revenues Before Loan Losses	66.72	61.98	58.66	54.94	50.88
Provision for Loan Losses	3.05	2.47	2.09	-0.03	-0.42
Revenue	63.66	59.51	56.57	54.97	51.3
Revenue Growth (YoY)	6.98%	5.20%	2.90%	7.17%	10.46%
Salaries and Employee Benefits	24.91	27.28	23.27	21.04	21.07
Federal Deposit Insurance	0.7	0.65	0.57	0.34	0.33
Amortization of Goodwill & Intangibles	-	0.01	0.02	0.04	0.05
Selling, General & Administrative	12.27	11.79	11.47	11.65	10.18
Other Non-Interest Expense	6.34	6.4	6.02	5.92	5.6
Total Non-Interest Expense	44.21	46.13	41.37	39.04	37.28
EBT Excluding Unusual Items	19.45	13.38	15.2	15.93	14.02
Pretax Income	19.45	13.38	15.2	15.93	14.02
Income Tax Expense	3.85	2.38	2.57	2.59	2.28
Net Income	15.6	11	12.63	13.34	11.73
Net Income to Common	15.6	11	12.63	13.34	11.73
Net Income Growth	41.84%	-12.92%	-5.30%	13.69%	14.36%
Basic Shares Outstanding	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5
Shares Change (YoY)	-0.55%	-0.79%	0.11%	-0.24%	-0.14%
EPS (Basic)	3.31	2.32	2.65	2.80	2.45
EPS (Diluted)	3.31	2.32	2.65	2.80	2.45
EPS Growth	42.62%	-12.23%	-5.41%	13.96%	14.52%
Dividend Per Share	0.910	0.880	0.870	0.840	0.840
Dividend Growth	3.41%	1.15%	3.57%	-	-
Effective Tax Rate	19.80%	17.77%	16.89%	16.28%	16.30%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q