Ohio Valley Banc (OVBC) investor relations material

Executive summary

• Achieved record net income of $15.6 million for 2025, up 41.8% year-over-year, with Q4 net income of $4.0 million, up 57.3% from Q4 2024.

• Earnings per share rose to $3.31 for 2025 from $2.32 in 2024; Q4 EPS was $0.84, up from $0.53.

• Return on average assets improved to 1.02% and return on average equity to 9.83% for 2025.

Financial highlights

• Net interest income increased by $8.9 million for the year and $2.4 million for Q4, driven by higher average earning assets and improved interest margin.

• Average earning assets grew by $103 million, led by $75 million in loans and $53 million in securities.

• Net interest margin rose to 4.07% for 2025 from 3.71% in 2024; Q4 margin was 4.18%.

• Noninterest income fell by $4.2 million for the year, mainly due to $3.7 million in losses from securities sales.

• Noninterest expense decreased by $1.9 million for the year, with salaries and benefits down $2.9 million due to a prior year early retirement program.

• Total assets reached $1.58 billion at year-end, up $79 million from 2024.

Outlook and guidance

• Management anticipates continued focus on profitable loan segments and leveraging community-focused programs.