Financial insights of OVBC

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$4,297K
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans, including fees	19,404	18,363*	18,659	17,984
Taxable	2,375	2,218*	2,204	2,295
Tax exempt	26	28*	27	28
Dividends	88	92*	94	93
Interest-bearing deposits with banks	582	659*	563	639
Total interest and dividend income	22,475	21,358*	21,547	21,039
Deposits	7,031	6,763*	6,442	5,988
Other borrowed funds	436	421*	373	382
Subordinated debentures	120	128*	135	134
Total interest expense	7,587	7,311*	6,950	6,504
Net interest income	14,888	14,047*	14,597	14,535
Provision for (recovery of) credit gaines	1,622	-336*	1,112	1,148
Net interest income after provision for credit losses	13,266	14,383*	13,485	13,387
Service charges on deposit accounts	745	714*	823	723
Trust fees	92	100*	84	100
Income from bank owned life insurance and annuity assets	378	268*	236	243
Mortgage banking income	37	55*	45	40
Electronic refund check / deposit fees	0	472*	1	135
Debit / credit card interchange income	1,235	-708*	1,417	1,279
Loss on sale of available for sale securities	-	-90*	-1,219	-
Tax preparation fees	608	580*	3	38
Other	193	687*	358	290
Total noninterest income	3,288	2,076*	1,748	2,848
Salaries and employee benefits	6,347	6,068*	6,367	6,194
Occupancy	524	496*	521	493
Furniture and equipment	318	302*	346	338
Professional fees	473	281*	515	500
Marketing expense	280	367*	280	279
Fdic insurance	241	184*	179	164
Data processing	911	697*	934	969
Software	673	596*	591	587
Other	1,534	1,414*	1,756	1,525
Total noninterest expense	11,301	10,402*	11,489	11,049
Income before income taxes	5,253	6,057*	3,744	5,186
Provision for income taxes	956	1,316*	714	976
Net income	4,297	4,741	3,030	4,210

Basic EPS	0.91	1.006	0.64	0.89
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
$4,297K
Unit: Thousand (K) dollars

Time Plot

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Income Statement

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Income Overview

Net Income
$4,297K
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income$4,297KUnit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$4,297KUnit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$4,297K
Unit: Thousand (K) dollars

Net Income
$4,297K
Unit: Thousand (K) dollars