Ohio Valley Banc Corp. (OVBC)

Ohio Valley Banc Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	89.32	16.51	14.99	15.08	15.66	16.87
Investment Securities	117.36	180.97	64.16	73.86	58.68	30.67
Trading Asset Securities	-	0.66	1.15	1.34	0.6	-
Mortgage-Backed Securities	149.88	94.2	106.09	121.3	130.94	94.17
Total Investments	267.24	275.83	171.39	196.5	190.22	124.84
Gross Loans	1,132	1,062	971.9	885.05	831.19	848.66
Allowance for Loan Losses	-11.42	-10.09	-8.77	-5.27	-6.48	-7.16
Net Loans	1,119	1,052	963.13	879.78	824.71	841.5
Property, Plant & Equipment	21.75	22.25	22.66	21.73	21.93	22.19
Goodwill	7.32	7.32	7.32	7.32	7.32	7.32
Other Intangible Assets	-	-	0.01	0.03	0.06	0.11
Accrued Interest Receivable	5.51	4.81	3.61	3.11	2.7	3.32
Restricted Cash	-	66.6	113.14	30.91	136.38	121.43
Other Current Assets	0.49	0.51	0.57	0.59	0.44	0.64
Long-Term Deferred Tax Assets	6.06	7.22	6.31	6.27	2.43	-
Other Real Estate Owned & Foreclosed	-	-	0.13	-	0.02	0.05
Other Long-Term Assets	50.39	47.77	48.89	49.47	47.92	48.66
Total Assets	1,570	1,503	1,352	1,211	1,250	1,187
Interest Bearing Deposits	920.04	870.88	727.11	636.37	664.05	638.14
Institutional Deposits	89.6	81.92	77.8	36.87	42.28	40.83
Non-Interest Bearing Deposits	322.85	322.38	322.22	354.41	353.58	314.78
Total Deposits	1,332	1,275	1,127	1,028	1,060	993.74
Short-Term Borrowings	-	0.66	1.15	1.34	0.6	-
Current Portion of Long-Term Debt	2.05	7.94	-	-	-	3.2
Current Portion of Leases	0.05	0.2	1.21	-	-	-
Long-Term Debt	2.17	-	2.39	2.38	2.14	-
Federal Home Loan Bank Debt, Long-Term	31.8	31.8	42.2	15.57	17.48	24.67
Long-Term Leases	0.92	0.83	-	1.29	1.2	0.88
Trust Preferred Securities	8.5	8.5	8.5	8.5	8.5	8.5
Other Long-Term Liabilities	27.64	27.99	25.55	19.03	18.6	19.63
Total Liabilities	1,406	1,353	1,208	1,076	1,108	1,051
Common Stock	5.49	5.49	5.47	5.47	5.45	5.45
Additional Paid-In Capital	52.32	52.32	51.84	51.72	51.17	51.17
Retained Earnings	130.14	121.69	114.87	109.32	100.7	92.99
Treasury Stock	-18.69	-18.69	-16.75	-16.67	-16.67	-15.71
Comprehensive Income & Other	-4.84	-10.48	-11.43	-14.81	0.71	2.44
Shareholders' Equity	164.42	150.33	144.01	135.03	141.36	136.32
Total Liabilities & Equity	1,570	1,503	1,352	1,211	1,250	1,187
Total Debt	45.5	49.92	55.45	29.08	29.91	37.24
Net Cash (Debt)	43.82	-32.76	-39.31	-10.8	-11.33	-17.87
Net Cash Per Share	9.30	-6.92	-8.23	-2.26	-2.37	-3.73
Filing Date Shares Outstanding	4.71	4.71	4.79	4.78	4.77	4.79
Total Common Shares Outstanding	4.71	4.71	4.77	4.77	4.75	4.79
Book Value Per Share	34.90	31.91	30.17	28.30	29.74	28.48
Tangible Book Value	157.1	143.01	136.68	127.68	133.97	128.89
Tangible Book Value Per Share	33.35	30.36	28.64	26.76	28.19	26.92

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q