Ohio Valley Banc Corp. (OVBC)

Ohio Valley Banc Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	78.05	73.33	64.94	54.82	42.27	42.1
Interest Income on Investments	12.3	11.91	10.83	7.04	5.34	2.61
Total Interest Income	90.35	85.24	75.76	61.87	47.62	44.71
Interest Paid on Deposits	27.85	25.41	24.64	14.17	2.13	2.98
Interest Paid on Borrowings	2.14	2.08	2.32	1.66	0.71	0.72
Total Interest Expense	30	27.49	26.96	15.84	2.84	3.7
Net Interest Income	60.36	57.75	48.8	46.03	44.78	41.01
Net Interest Income Growth	13.18%	18.32%	6.03%	2.79%	9.18%	2.58%
Trust Income	0.35	0.38	0.4	0.33	0.33	0.29
Mortgage Banking Activities	0.18	0.18	0.16	0.18	0.7	0.85
Gain (Loss) on Sale of Investments	-3.37	-3.75	-	-	-1.54	-1.07
Other Non-Interest Income	8.68	9.13	9.57	9.43	8.23	7.93
Total Non-Interest Income	8.95	8.97	13.17	12.63	10.16	9.86
Non-Interest Income Growth	-32.54%	-31.90%	4.29%	24.28%	3.02%	4.51%
Revenues Before Loan Losses	69.31	66.72	61.98	58.66	54.94	50.88
Provision for Loan Losses	6.87	3.05	2.47	2.09	-0.03	-0.42
Revenue	62.44	63.66	59.51	56.57	54.97	51.3
Revenue Growth	-1.66%	6.98%	5.20%	2.90%	7.17%	10.46%
Salaries and Employee Benefits	25.6	24.91	23.94	23.27	21.04	21.07
Federal Deposit Insurance	0.83	0.7	0.65	0.57	0.34	0.33
Amortization of Goodwill & Intangibles	-	-	-	0.02	0.04	0.05
Selling, General & Administrative	11.84	12.27	11.79	11.47	11.65	10.18
Other Non-Interest Expense	6.61	6.34	6.42	6.02	5.92	5.6
Total Non-Interest Expense	44.89	44.21	42.79	41.37	39.04	37.28
EBT Excluding Unusual Items	17.55	19.45	16.71	15.2	15.93	14.02
Pretax Income	17.55	19.45	13.38	15.2	15.93	14.02
Income Tax Expense	3.34	3.85	2.38	2.57	2.59	2.28
Net Income	14.21	15.6	11	12.63	13.34	11.73
Net Income to Common	14.21	15.6	11	12.63	13.34	11.73
Net Income Growth	2.59%	41.84%	-12.92%	-5.30%	13.69%	14.36%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change	0.00%	-0.55%	-0.79%	0.11%	-0.24%	-0.14%
EPS (Basic)	3.02	3.31	2.32	2.65	2.80	2.45
EPS (Diluted)	3.02	3.31	2.32	2.65	2.80	2.45
EPS Growth	2.59%	42.62%	-12.23%	-5.41%	13.96%	14.52%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.940	0.910	0.880	0.870	0.840	0.840
Dividend Growth	5.62%	3.41%	1.15%	3.57%	0%	0%
Effective Tax Rate	19.04%	19.80%	17.77%	16.89%	16.28%	16.30%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 18, 2026

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