Financial insights of OVBC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	73,327
Taxable	8,966
Tax exempt	110
Dividends	372
Interest-bearing deposits with banks	2,462
Total interest and dividend income	85,237
Deposits	25,408
Other borrowed funds	1,553
Subordinated debentures	531
Total interest expense	27,492
Net interest income	57,745
Provision for credit losses	3,054
Net interest income after provision for credit losses	54,691
Service charges on deposit accounts	3,033
Trust fees	376
Income from bank owned life insurance and annuity assets	986
Mortgage banking income	182
Electronic refund check / deposit fees	676
Debit / credit card interchange income	5,164
Loss on sale of available for sale securities	-3,747
Tax preparation fees	641
Other	1,659
Total noninterest income	8,970
Salaries and employee benefits	24,909
Occupancy	2,017
Furniture and equipment	1,328
Professional fees	1,803
Marketing expense	1,205
Fdic insurance	698
Data processing	3,551
Software	2,363
Other	6,335
Total noninterest expense	44,209
Income before income taxes	19,452
Provision for income taxes	3,851
Net income	15,601

Basic EPS	3.31
Basic Average Shares	4,711,001