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OHIO VALLEY BANC CORP (OVBC)
OHIO VALLEY BANC CORP (OVBC)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Balance Sheets Overview
Debt to Asset Ratio
89.56%
Unit: Thousand (K) dollars
Assets Breakdown
Net loans
Debt securities available for sa...
Total cash and cash equivalents
Others
Liabilities Breakdown
Interest-bearing deposits
Noninterest-bearing deposits
Retained earnings
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and noninterest-bearing deposits with banks
15,519
16,255
14,845
17,065
Interest-bearing deposits with banks
62,565
109,072
31,052
72,251
Total cash and cash equivalents
78,084
125,327
45,897
89,316
Debt securities available for sale
250,236
251,439
253,906
260,765
Debt securities held to maturity, net of allowance for credit losses of 1 in 2026 and 2025
5,404
5,435
5,452
6,474
Equity securities
376
-
-
-
Restricted investments in bank stocks
5,258
5,258
5,258
5,007
Total loans
1,246,114
1,214,814
1,196,018
1,130,534
Less allowance for credit losses
16,610
12,943
11,519
11,420
Net loans
1,229,504
1,201,871
1,184,499
1,119,114
Premises and equipment, gross
-
-
41,437
-
Less accumulated depreciation
-
-
20,928
-
Premises and equipment, net
22,357
20,501
20,509
20,774
Premises and equipment held for sale, net
390
395
400
492
Accrued interest receivable
5,485
5,535
5,476
5,509
Goodwill
7,319
7,319
7,319
7,319
Bank owned life insurance and annuity assets
42,960
42,606
43,305
42,595
Operating lease right-of-use asset, net
1,408
876
923
971
Deferred tax assets
6,082
6,252
5,621
6,056
Other assets
6,573
4,688
4,089
5,651
Total assets
1,661,436
1,677,502
1,582,654
1,570,043
Noninterest-bearing deposits
319,288
332,760
314,131
322,848
Interest-bearing deposits
1,089,140
1,090,914
1,015,536
1,009,639
Total deposits
1,408,428
1,423,674
1,329,667
1,332,487
2026
11,171
12,281
-
2,051
2027
23,131
23,728
13,045
15,077
Federal Home Loan Bank Advances
1,349
1,349
22,908
11,397
Loans Payable
0
0
0
0
2028
1,349
1,349
22,908
11,397
Federal Home Loan Bank Advances
1,319
1,319
1,397
1,349
Loans Payable
0
0
0
0
2029
1,319
1,319
1,397
1,349
Federal Home Loan Bank Advances
1,599
1,599
1,349
1,733
Loans Payable
0
0
0
0
2030
1,599
1,599
1,349
1,733
Federal Home Loan Bank Advances
-
-
1,733
-
Loans Payable
-
-
0
-
2030
-
-
1,733
-
Federal Home Loan Bank Advances
3,253
3,253
4,416
4,417
Loans Payable
0
0
0
0
Thereafter
3,253
3,253
4,416
4,417
Other borrowed funds
41,822
43,529
44,848
36,024
Subordinated debentures
8,500
8,500
8,500
8,500
Operating lease liability
1,408
876
923
971
Allowance for credit losses on off-balance sheet commitments
731
791
871
817
Other liabilities
27,161
28,852
27,588
26,827
Total liabilities
1,488,050
1,506,222
1,412,397
1,405,626
Common stock (1.00 stated value per share, 10,000,000 shares authorized 5,490,995 shares issued)
5,491
5,491
5,491
5,491
Additional paid-in capital
52,321
52,321
52,321
52,321
Retained earnings
137,969
136,220
133,007
130,135
Accumulated other comprehensive income (loss)
-3,702
-4,059
-1,869
-4,837
Treasury stock, at cost (779,994 shares)
18,693
18,693
18,693
18,693
Total shareholders equity
173,386
171,280
170,257
164,417
Total liabilities and shareholders equity
1,661,436
1,677,502
1,582,654
1,570,043
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Total loans
$1,246,114K
(13.15%↑ Y/Y)
Interest-bearing deposits with
banks
$62,565K
(65.42%↑ Y/Y)
Cash and
noninterest-bearing deposits with...
$15,519K
(-7.65%↓ Y/Y)
Net loans
$1,229,504K
(12.76%↑ Y/Y)
Debt securities
available for sale
$250,236K
(-5.69%↓ Y/Y)
Total cash and cash
equivalents
$78,084K
(42.94%↑ Y/Y)
Bank owned life
insurance and annuity...
$42,960K
(1.28%↑ Y/Y)
Premises and equipment,
net
$22,357K
(7.27%↑ Y/Y)
Goodwill
$7,319K
(0.00%↑ Y/Y)
Other assets
$6,573K
(20.32%↑ Y/Y)
Deferred tax assets
$6,082K
(0.28%↑ Y/Y)
Accrued interest
receivable
$5,485K
(11.01%↑ Y/Y)
Debt securities held
to maturity, net of...
$5,404K
(-16.77%↓ Y/Y)
Restricted investments in
bank stocks
$5,258K
(5.01%↑ Y/Y)
Operating lease
right-of-use asset, net
$1,408K
(50.59%↑ Y/Y)
Premises and equipment
held for sale, net
$390K
(-21.53%↓ Y/Y)
Equity securities
$376K
Less allowance for
credit losses
$16,610K
(53.00%↑ Y/Y)
Total assets
$1,661,436K
(10.00%↑ Y/Y)
Total liabilities and
shareholders equity
$1,661,436K
(10.00%↑ Y/Y)
Total liabilities
$1,488,050K
(10.26%↑ Y/Y)
Total shareholders
equity
$173,386K
(7.85%↑ Y/Y)
Treasury stock, at cost
(779,994 shares)
$18,693K
(0.00%↑ Y/Y)
Accumulated other
comprehensive income (loss)
-$3,702K
(43.46%↑ Y/Y)
Total deposits
$1,408,428K
(10.31%↑ Y/Y)
Other borrowed funds
$41,822K
(12.49%↑ Y/Y)
Other liabilities
$27,161K
(6.15%↑ Y/Y)
Subordinated debentures
$8,500K
(0.00%↑ Y/Y)
Operating lease liability
$1,408K
(50.59%↑ Y/Y)
Allowance for credit
losses on off-balance...
$731K
(14.76%↑ Y/Y)
Retained earnings
$137,969K
(7.63%↑ Y/Y)
Additional paid-in capital
$52,321K
(0.00%↑ Y/Y)
Common stock (1.00
stated value per share,...
$5,491K
(0.00%↑ Y/Y)
Interest-bearing deposits
$1,089,140K
(15.21%↑ Y/Y)
Noninterest-bearing deposits
$319,288K
(-3.65%↓ Y/Y)
2027
$23,131K
(62.55%↑ Y/Y)
2026
$11,171K
(175.76%↑ Y/Y)
Thereafter
$3,253K
(-26.35%↓ Y/Y)
2030
$1,599K
(-7.73%↓ Y/Y)
2028
$1,349K
(-88.16%↓ Y/Y)
2029
$1,319K
(-2.22%↓ Y/Y)
Federal Home Loan Bank
Advances
$3,253K
(-26.35%↓ Y/Y)
Federal Home Loan Bank
Advances
$1,599K
(-7.73%↓ Y/Y)
Federal Home Loan Bank
Advances
$1,349K
(-88.16%↓ Y/Y)
Federal Home Loan Bank
Advances
$1,319K
(-2.22%↓ Y/Y)
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