- Ohio Valley Banc Corp. reported **net income of $3,030,000** for the third quarter of 2025, an **11.4% increase** from the prior year, with **earnings per share of $0.64**.  **[894671_20251027CL08079:0]** **[894671_20251027CL08079:4]**  For the first nine months of 2025, net income totaled **$11,646,000**, up **37.3%** year-over-year, and EPS was **$2.47**.  **[894671_20251027CL08079:0]** **[894671_20251027CL08079:4]** 
- The **net interest margin** increased to **4.05%** for Q3 2025, up from 3.76% in Q3 2024, and to **4.03%** for the nine months ended September 30, 2025, compared to 3.71% in the prior year period.  **[894671_20251027CL08079:1]** **[894671_20251027CL08079:4]**  This improvement was driven by an increase in the yield on earning assets and a decrease in the cost of funding sources.  **[894671_20251027CL08079:1]** 
- **Total assets** reached **$1.570 billion** at September 30, 2025, an increase of **$67 million** from December 31, 2024, primarily due to a **$69 million increase in loan balances** and a **$57 million increase in total deposits**.  **[894671_20251027CL08079:3]** 
- During the third quarter of 2025, the company sold **$11.0 million in securities** yielding 1.32% and reinvested the proceeds into securities yielding 4.37%, a strategic move to increase future interest income and net interest margin.  **[894671_20251027CL08079:2]**

Ohio Valley Banc Corp. Reports Strong Q3 2025 Earnings and Net Interest Margin Expansion

- Ohio Valley Banc Corp. reported **net income of $3,030,000** for the third quarter of 2025, an **11.4% increase** from the prior year, with **earnings per share of $0.64**.  **[894671_0000894671-25-000044_sec8kearngsrels093025.htm:1]**  For the first nine months of 2025, net income totaled **$11,646,000**, a **37.3% increase**, and EPS was **$2.47**.  **[894671_0000894671-25-000044_sec8kearngsrels093025.htm:1]** 
- The company's **net interest margin improved to 4.05%** for Q3 2025, up from 3.76% in Q3 2024, and to **4.03%** for the first nine months of 2025, up from 3.71% in the prior year.  **[894671_0000894671-25-000044_sec8kearngsrels093025.htm:2]** **[894671_0000894671-25-000044_sec8kearngsrels093025.htm:6]**  This increase was attributed to a higher yield on earning assets and a decreased cost of funding sources.  **[894671_0000894671-25-000044_sec8kearngsrels093025.htm:2]** 
- Total assets grew to **$1.570 billion** at September 30, 2025, an increase of **$67 million** from December 31, 2024.  **[894671_0000894671-25-000044_sec8kearngsrels093025.htm:4]** **[894671_0000894671-25-000044_sec8kearngsrels093025.htm:8]**  Over the same period, loan balances increased **$69 million**, and total deposits increased **$57 million**.  **[894671_0000894671-25-000044_sec8kearngsrels093025.htm:4]** 
- The company strategically sold **$11.0 million** in securities yielding 1.32% and reinvested the proceeds into securities yielding **4.37%** to enhance future interest income and net interest margin.  **[894671_0000894671-25-000044_sec8kearngsrels093025.htm:3]** 
- Asset quality remained strong, with the ratio of nonperforming loans to total loans decreasing to **0.42%** at September 30, 2025, compared to 0.46% at December 31, 2024.  **[894671_0000894671-25-000044_sec8kearngsrels093025.htm:3]**

Ohio Valley Banc Corp. Reports Strong Q3 2025 Earnings and Improved Net Interest Margin

- Ohio Valley Banc Corp. (OVBC) declared a cash dividend of **$0.23 per common share** on October 21, 2025.  **[894671_20251021CL03773:0]** 
- The dividend is payable on **November 10, 2025**, to shareholders of record as of **October 31, 2025**.  **[894671_20251021CL03773:0]** 
- The Chairman of the Board stated that **2025 has been a very successful year so far**, with the company achieving **double-digit earnings growth** through the first three quarters.  **[894671_20251021CL03773:0]**

OHIO VALLEY BANC (OVBC)