Financial insights of OVBC

MyFinsight

Income Overview

Net Income
$2,927K
Unit: Thousand (K) dollars

Income Statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30
Loans, including fees	19,998	19,404	18,363*	18,659
Taxable	2,398	2,375	2,218*	2,204
Tax exempt	26	26	28*	27
Dividends	90	88	92*	94
Interest-bearing deposits with banks	966	582	659*	563
Total interest and dividend income	23,478	22,475	21,358*	21,547
Deposits	7,533	7,031	6,763*	6,442
Other borrowed funds	426	436	421*	373
Subordinated debentures	121	120	128*	135
Total interest expense	8,080	7,587	7,311*	6,950
Net interest income	15,398	14,888	14,047*	14,597
Provision for (recovery of) credit gaines	3,755	1,622	-336*	1,112
Net interest income after provision for credit losses	11,643	13,266	14,383*	13,485
Service charges on deposit accounts	774	745	714*	823
Trust fees	89	92	100*	84
Income from bank owned life insurance and annuity assets	242	378	268*	236
Mortgage banking income	38	37	55*	45
Electronic refund check / deposit fees	0	0	472*	1
Debit / credit card interchange income	1,349	1,235	-708*	1,417
Loss on sale of available for sale securities	-	-	-90*	-1,219
Unrealized gains on equity securities	377	-	-	-
Tax preparation fees	42	608	580*	3
Other	275	193	687*	358
Total noninterest income	3,186	3,288	2,076*	1,748
Salaries and employee benefits	6,553	6,347	6,068*	6,367
Occupancy	541	524	496*	521
Furniture and equipment	338	318	302*	346
Professional fees	466	473	281*	515
Marketing expense	305	280	367*	280
Fdic insurance	241	241	184*	179
Data processing	364	911	697*	934
Software	661	673	596*	591
Other	1,776	1,534	1,414*	1,756
Total noninterest expense	11,245	11,301	10,402*	11,489
Income before income taxes	3,584	5,253	6,057*	3,744
Provision for income taxes	657	956	1,316*	714
Net income	2,927	4,297	4,741	3,030

Basic EPS	0.62	0.91	1.006	0.64
Basic Average Shares	4,711,001	4,711,001	4,711,001	4,711,001

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$2,927K
Unit: Thousand (K) dollars

Time Plot

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Income Statement

Income Overview

Net Income
$2,927K
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$2,927KUnit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$2,927KUnit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$2,927K
Unit: Thousand (K) dollars

Net Income
$2,927K
Unit: Thousand (K) dollars