Financial insights of OVBC

MyFinsight

For the quarter ending 2025-09-30, OVBC made $42,953K in revenue. $3,030K in net income. Net profit margin of 7.05%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans, including fees	18,659	17,984
Taxable	2,204	2,295
Tax exempt	27	28
Dividends	94	93
Interest-bearing deposits with banks	563	639
Total interest and dividend income	21,547	21,039
Deposits	6,442	5,988
Other borrowed funds	373	382
Subordinated debentures	135	134
Total interest expense	6,950	6,504
Net interest income	14,597	14,535
Provision for credit losses	1,112	1,148
Net interest income after provision for credit losses	13,485	13,387
Service charges on deposit accounts	823	723
Trust fees	84	100
Income from bank owned life insurance and annuity assets	236	243
Mortgage banking income	45	40
Electronic refund check / deposit fees	1	135
Debit / credit card interchange income	1,417	1,279
Loss on sale of securities	-1,219	-
Tax preparation fees	3	38
Other	358	290
Total noninterest income	1,748	2,848
Salaries and employee benefits	6,367	6,194
Occupancy	521	493
Furniture and equipment	346	338
Professional fees	515	500
Marketing expense	280	279
Fdic insurance	179	164
Data processing	934	969
Software	591	587
Other	1,756	1,525
Total noninterest expense	11,489	11,049
Income before income taxes	3,744	5,186
Provision for income taxes	714	976
Net income	3,030	4,210

Earnings per share (in dollars per share)	0.64	0.89
Number of weighted average common shares outstanding (in shares)	4,711,001	4,711,001