Short answer
OHIO VALLEY BANC CORP (OVBC) filed an 8-K current report with the SEC on July 27, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Q2 net income $2.927M, down 30.5%; EPS $0.62 versus $0.89, reflecting materially higher credit-loss provisioning.
OHIO VALLEY BANC CORP 8-K event analysis
AI summary of each reported item and its exhibits
Item 2.02 · Results of Operations and Financial Condition
- Q2 net income $2.927M, down 30.5%; EPS $0.62 versus $0.89, reflecting materially higher credit-loss provisioning
- Six-month net income $7.224M, down 16.2%; ROA 0.89% and ROE 8.48% versus 1.16% and 11.30%
- Credit-loss provision $5.377M year-to-date, driven by $6.561M higher specific allocations on two collateral-dependent loans
- Nonperforming loans reached 1.44% versus 0.45% a year earlier; allowance rose to 1.33% of loans versus 0.99%
- Loans grew $50M and deposits $79M since year-end, but funding costs pressured net interest margin to 3.97% from 4.01%
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