Ohio Valley Banc Balance Sheet

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
Cash & Equivalents	45.9	16.51	14.99	15.08	15.66
Investment Securities	259.36	180.97	64.16	73.86	58.68
Trading Asset Securities	-	0.66	1.15	1.34	0.6
Mortgage-Backed Securities	-	94.2	106.09	121.3	130.94
Total Investments	259.36	275.83	171.39	196.5	190.22
Gross Loans	1,196	1,062	971.9	885.05	831.19
Allowance for Loan Losses	-11.52	-10.09	-8.77	-5.27	-6.48
Net Loans	1,184	1,052	963.13	879.78	824.71
Property, Plant & Equipment	21.43	22.25	22.66	21.73	21.93
Goodwill	7.32	7.32	7.32	7.32	7.32
Other Intangible Assets	-	-	0.01	0.03	0.06
Accrued Interest Receivable	5.48	4.81	3.61	3.11	2.7
Restricted Cash	-	66.6	113.14	30.91	136.38
Other Current Assets	0.4	0.51	0.57	0.59	0.44
Long-Term Deferred Tax Assets	5.62	7.22	6.31	6.27	2.43
Other Real Estate Owned & Foreclosed	-	-	0.13	-	0.02
Other Long-Term Assets	52.65	47.77	48.89	49.47	47.92
Total Assets	1,583	1,503	1,352	1,211	1,250
Interest Bearing Deposits	1,016	870.88	727.11	636.37	664.05
Institutional Deposits	-	81.92	77.8	36.87	42.28
Non-Interest Bearing Deposits	314.13	322.38	322.22	354.41	353.58
Total Deposits	1,330	1,275	1,127	1,028	1,060
Short-Term Borrowings	-	0.66	1.15	1.34	0.6
Current Portion of Long-Term Debt	-	7.94	-	-	-
Current Portion of Leases	-	0.2	1.21	-	-
Long-Term Debt	44.85	-	2.39	2.38	2.14
Federal Home Loan Bank Debt, Long-Term	-	31.8	42.2	15.57	17.48
Long-Term Leases	0.92	0.83	-	1.29	1.2
Trust Preferred Securities	8.5	8.5	8.5	8.5	8.5
Other Long-Term Liabilities	28.46	27.99	25.55	19.03	18.6
Total Liabilities	1,412	1,353	1,208	1,076	1,108
Common Stock	5.49	5.49	5.47	5.47	5.45
Additional Paid-In Capital	52.32	52.32	51.84	51.72	51.17
Retained Earnings	133.01	121.69	114.87	109.32	100.7
Treasury Stock	-18.69	-18.69	-16.75	-16.67	-16.67
Comprehensive Income & Other	-1.87	-10.48	-11.43	-14.81	0.71
Shareholders' Equity	170.26	150.33	144.01	135.03	141.36
Total Liabilities & Equity	1,583	1,503	1,352	1,211	1,250
Total Debt	54.27	49.92	55.45	29.08	29.91
Net Cash (Debt)	-8.37	-32.76	-39.31	-10.8	-11.33
Net Cash Per Share	-1.78	-6.92	-8.23	-2.26	-2.37
Filing Date Shares Outstanding	4.71	4.71	4.79	4.78	4.77
Total Common Shares Outstanding	4.71	4.71	4.77	4.77	4.75
Book Value Per Share	36.14	31.91	30.17	28.30	29.74
Tangible Book Value	162.94	143.01	136.68	127.68	133.97
Tangible Book Value Per Share	34.59	30.36	28.64	26.76	28.19

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

SEC Filings: 10-K · 10-Q