俄亥俄河谷银行 2026年季度报告

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from ____________ to ____________Commission file number 000-20914 OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) (740) 446-2631(Registrant’s telephone number, including area code)_____________________ Securities registered pursuant to Section 12(b) of the Act: Title of each classCommon shares, without par value Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer,a smallerreporting company or an emerging growth company.See the definitions of “large accelerated filer,” “accelerated filer,” “smaller Large accelerated filer☐Non-accelerated filer☒ Accelerated filer☐Smaller reporting company☒ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒ The number of common shares, without par value, of the registrant outstanding as ofMay 14, 2026 was 4,711,001. PART I - FINANCIAL INFORMATION OHIO VALLEY BANC CORP.CONSOLIDATED BALANCE SHEETS(dollars in thousands, except share and per share data) Securities available for sale251,439253,906Securities held to maturity, net of allowance for credit losses of $1 in 2026 and 20255,4355,452 Total loansLess: Allowance for credit losses CONTINGENT LIABILITIES SHAREHOLDERS’ EQUITY Common stock ($1.00 stated value per share, 10,000,000 shares authorized;5,490,995 shares issued)5,4915,491Additional paid-in capital52,32152,321Retained earnings136,220133,007 NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS(dollars in thousands, except per share data) NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES BASIS OF PRESENTATION:The accompanying consolidated financial statements include the accounts of Ohio Valley Banc Corp.(“Ohio Valley”) and its wholly-owned subsidiaries, The Ohio Valley Bank Company (the “Bank”), Loan Central, Inc., a consumerfinance company, and Ohio Valley Financial Services Agency, LLC, an insurance agency. The Bank has one wholly-owned subsidiary,Ohio Valley REO, LLC (“Ohio Valley REO”), an Ohio limited liability company, to which the Bank transfers certain real estate These interim financial statements are prepared by the Company without audit and reflect all adjustments of a normal recurring naturewhich, in the opinion of management, are necessary to present fairly the consolidated financial position of the Company at March 31,2026, and its results of operations and cash flows for the periods presented.The results of operations for the three months endedMarch 31, 2026 are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31,2026.The accompanying consolidated financial statements do not purport to contain all the necessary financial disclosures required USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS:The accounting and reporting policies followedby the Company conform to US GAAP established by the Financial Accounting Standards Board (“FASB”). The preparation offinancial statements in conformity with US GAAP requires management to make estimates and assumptions that affect the amounts INDUSTRY SEGMENT INFORMATION:We conduct our operations through a single business segment, banking, which derivesinterest and noninterest income through our banking products and services and investment securities. All of our income relates to our Pursuant to Financial Accounting Standards Codification280,Segment Reporting,operating segments represent components of anenterprise for which separate financial information is available that is regularly evaluated by the chief operating decision makers in Our chief operating decision maker, which isour Chief Executive Officer, evaluates interest and noninterest income streams and creditlosses from our various products and services, whileexpense activities, including interest expense and noninterest expense, aremanaged, and financial performance is evaluated, o