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Ohio Valley Banc (OVBC) investor relations material
Ohio Valley Banc Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Net income for Q3 2025 was $3,030, up $311 year-over-year; EPS rose to $0.64 from $0.58; nine-month net income was $11,646, up $3,162 year-over-year, with EPS at $2.47 versus $1.79.
Return on assets increased to 1.03% and return on equity to 9.95% for the nine months ended September 30, 2025.
Growth in average earning assets, especially loans and securities, drove a 16.0% and 18.3% increase in net interest income for the quarter and year-to-date, respectively.
Noninterest income declined due to a $1,219 loss on securities sales, partially offset by higher interchange income.
Noninterest expense rose 2.4% for the quarter, led by data processing and marketing costs, but was offset by lower salaries and benefits from a voluntary early retirement program.
Financial highlights
Total assets reached $1,570,043 at September 30, 2025, up $66,631 from year-end 2024, mainly from a $68,709 increase in loans.
Total deposits grew by $57,309 (4.5%) from year-end, with interest-bearing deposits up $56,844 (6.0%).
Net interest margin improved to 4.05% for Q3 2025 and 4.03% year-to-date, up from 3.76% and 3.71% in 2024.
Allowance for credit losses (ACL) on loans increased to $11,420 (1.01% of loans) from $10,088 (0.95%) at year-end.
Nonperforming loans to total loans decreased to 0.42% from 0.46% at year-end.
Outlook and guidance
Management will continue to emphasize growth in core deposit relationships and higher-yielding loan portfolios.
Focus remains on asset quality, with ongoing monitoring of credit risk and loan underwriting standards.
Margin improvement is expected to continue if loan growth persists; otherwise, net interest income may face pressure.
Evaluate Homebuyer Plus program's net margin effect.
Explain rise in criticized CRE loans despite lower NPLs.
What is the strategy behind recent AFS securities sale?
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Next Ohio Valley Banc earnings date
Q4 202526 Jan, 2026
Next Ohio Valley Banc earnings date
Q4 202526 Jan, 2026
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Frequently asked questions
Ohio Valley Banc Corp. is the holding company for The Ohio Valley Bank Company, which offers a range of banking services primarily across Ohio and West Virginia. The company operates through two main segments: Banking and Consumer Finance. Its banking services include various deposit products such as checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. Ohio Valley Banc Corp. also provides loans, including residential mortgages, commercial loans, and consumer loans for items like automobiles and recreational vehicles. Additionally, the company offers services such as credit cards, online banking, and financial management tools, along with ATMs located on-site and off-site. The company is headquartered in Gallipolis, Ohio, and its shares are listed on the NASDAQ.
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