俄亥俄河谷银行 2026年季度报告

Form 10-Q ☒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 1934 For the transition period from ____________ to ____________ Commission file number 000-20914 OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio(State of Incorporation) (I.R.S. Employer Identification No.) 45631(ZIP Code) (740) 446-2631(Registrant’s telephone number, including area code)_____________________ Securities registered pursuant to Section 12(b) of the Act: Trading Symbol(s)OVBC Name of each exchange on which registeredThe NASDAQ Stock Market LLC Common 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),and (2) has been subject to such filing requirements for the past 90 days.Yes☒No☐ 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 theregistrant was required to submit such files).Yes☒No☐ 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,” “smallerreporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer☐Non-accelerated filer☒ Accelerated filer☐Smaller reporting company☒Emerging growth 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. OHIO VALLEY BANC CORP. Index Cash and noninterest-bearing deposits with banks$16,255$14,845Interest-bearing deposits with banks109,07231,052Total cash and cash equivalents125,32745,897 Securities available for sale251,439253,906Securities held to maturity, net of allowance for credit losses of $1 in 2026 and 20255,4355,452Restricted investments in bank stocks5,2585,258 Total loans1,214,8141,196,018Less: Allowance for credit losses(12,943)(11,519)Net loans1,201,8711,184,499 SHAREHOLDERS’ EQUITYCommon 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 earnings136,220133,007Accumulated other comprehensive income (loss)(4,059)(1,869)Treasury stock, at cost (779,994 shares)(18,693)(18,693)Total shareholders’ equity171,280170,257Total liabilities and shareholders’ equity$1,677,502$1,582,654 OHIO VALLEY BANC CORP.CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)(dollars in thousands, except per share data) Loans, including fees$19,404$16,695SecuritiesTaxable2,3752,155Tax exempt2628Dividends8896Interest-bearing deposits with banks58282622,47519,800 OHIO VALLEY BANC CORP.CONSOLIDATED STATEMENTS OF CHANGESIN SHAREHOLDERS’ EQUITY (UNAUDITED)(dollars in thousands, except share and per share data) OHIO VALLEY BANC CORP.CONDENSED CONSOLIDATED STATEMENTS OFCASH FLOWS (UNAUDITED)(dollars in thousands) 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 estateacquired by the Bank through foreclosure for sale by Ohio Valley REO. Ohio Valley and its subsidiaries are collectively referred to asthe “Company.”All material intercompany accounts and transactions have been eliminated in consolidation. 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 fl