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Ohio Valley Banc (OVBC) investor relations material
Ohio Valley Banc Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 rose to $4.21M, up 41.7% year-over-year; EPS increased to $0.89 from $0.63.
Six-month net income reached $8.62M, up 49.5% from the prior year; EPS for the period was $1.83 versus $1.21.
Growth in average earning assets and higher net interest income, aided by participation in the Ohio Homebuyer Plus Program and focus on commercial and real estate lending, drove improved results.
Noninterest income increased for the quarter and YTD, led by higher card interchange and other fee income.
Asset growth was primarily in loans and securities, with commercial lending as a key driver.
Financial highlights
Net interest income rose 21.5% to $14.54M for Q2 2025 and 19.5% to $27.68M for the first half; Q2 increase was $2.57M year-over-year.
Net interest margin improved to 4.17% for Q2 2025 (from 3.74%); YTD margin at 4.01% (up from 3.68%).
Noninterest expense grew for the quarter and YTD, mainly from data processing and marketing.
Return on assets improved to 1.16% YTD, up from 0.84%; return on equity rose to 11.30%, up from 8.01%.
Book value per share at June 30, 2025 was $34.12, up from $30.94 a year earlier.
Outlook and guidance
Management will continue to emphasize commercial lending, core deposit growth, and benefits from the Ohio Homebuyer Plus Program.
Focus remains on investing in higher-yielding assets and managing funding costs to support margin.
Asset quality and prudent underwriting remain priorities as economic conditions evolve.
Forward-looking statements caution about economic, regulatory, and competitive risks.
Detail Ohio Homebuyer Plus program's funding.
Assess loan portfolio shift and credit risk.
Evaluate noninterest expense trends.
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Next Ohio Valley Banc earnings date
Q3 202527 Oct, 2025
Next Ohio Valley Banc earnings date
Q3 202527 Oct, 2025
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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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