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OHIO VALLEY BANC CORP

OHIO VALLEY BANC CORP is an American state commercial bank, incorporated in Ohio, listed on Nasdaq (OVBC).1 It is headquartered in Gallipolis, Ohio.1

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Last updated Oct 21, 2026.

Overview

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  • TickerOVBC on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersGallipolis, Ohio1
  • Incorporated inOH2
  • Business address420 Third Ave, Gallipolis, Oh 456312
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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Internet website at www.ovbc.com (this uniform resource locator, or URL, is an inactive textual reference only and is not intended to incorporate the information contained on Ohio Valley’s website into this Annual Report on Form 10-K).4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income5678910$15.6M in 2025+57% since 2019
0$5.0M$10.0M$15.0M$20.0M2019: $9.9M$9.9M20192020: $10.3M$10.3M2020+4%2021: $11.7M$11.7M2021+14%2022: $13.3M$13.3M2022+14%2023: $12.6M$12.6M2023−5%2024: $11.0M$11.0M2024−13%2025: $15.6M$15.6M2025+42%

Every line of the income statement as filed: the last 2 fiscal years, latest first.10

Period ending2025-12-312024-12-31
Loans, including fees$73.3M$64.9M
Taxable$9.0M$5.9M
Tax exempt$110.0K$132.0K
Dividends$372.0K$384.0K
Interest-bearing deposits with banks$2.5M$4.4M
Total interest and dividend income$85.2M$75.8M
Deposits$25.4M$24.6M
Other borrowed funds$1.6M$1.7M
Subordinated debentures$531.0K$618.0K
Total interest expense$27.5M$27.0M
Net interest income$57.7M$48.8M
Provision for credit losses$3.1M$2.5M
Net interest income after provision for credit losses$54.7M$46.3M
Service charges on deposit accounts$3.0M$3.0M
Trust fees$376.0K$404.0K
Income from bank owned life insurance and annuity assets$986.0K$929.0K
Mortgage banking income$182.0K$163.0K
Electronic refund check / deposit fees$676.0K$675.0K
Debit / credit card interchange income$5.2M$5.0M
Loss on sale of available for sale securities-$3.7M$0
Tax preparation fees$641.0K$644.0K
Other$1.7M$2.3M
Total noninterest income$9.0M$13.2M
Salaries and employee benefits$24.9M$27.8M
Occupancy$2.0M$1.9M
Furniture and equipment$1.3M$1.3M
Professional fees$1.8M$1.9M
Marketing expense$1.2M$820.0K
FDIC insurance$698.0K$648.0K
Data processing$3.6M$3.1M
Software$2.4M$2.3M
Other$6.3M$6.4M
Total noninterest expense$44.2M$46.1M
Income before income taxes$19.5M$13.4M
Provision for income taxes$3.9M$2.4M
NET INCOME$15.6M$11.0M
Earnings per share (in dollars per share)$3.31$2.32

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Corporate structure

OHIO VALLEY BANC CORP sits at the top of its group. 5 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of OHIO VALLEY BANC CORP

  • OHIO VALLEY BANK Co Filed SCHEDULE 13G/A on OHIO VALLEY BANC CORP, latest Feb 12, 2026 (5 filings since Feb 11, 2022)
  • Edward Allen Bell Filed SCHEDULE 13G on OHIO VALLEY BANC CORP, latest Feb 14, 2025 (3 filings since May 1, 2023)
  • OHIO VALLEY BANC CORP Gallipolis, Ohio
    • Loan Central, Inc. Subsidiary · Ohio, United States
    • Ohio Valley Financial Services Agency, LLC Subsidiary · Ohio, United States
    • Ohio Valley Statutory Trust III Subsidiary · Delaware, United States
    • The Ohio Valley Bank Company Subsidiary · Ohio, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What OHIO VALLEY BANC CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$41.4M10 Dec 31, 2025$40.6M10 Dec 31, 2024+2.1%
Accumulated depreciation$20.9M10 Dec 31, 2025$19.4M10 Dec 31, 2024+8.1%
Property and equipment, net$20.5M10 Dec 31, 2025$21.2M10 Dec 31, 2024−3.4%
Operating-lease assets (leased space)$923.0K10 Dec 31, 2025$1.0M10 Dec 31, 2024−9.9%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$45.9M10 Dec 31, 2025$83.1M10 Dec 31, 2024−44.8%
Debt securities available for sale$253.9M10 Dec 31, 2025$268.1M10 Dec 31, 2024−5.3%
Debt securities held to maturity$5.5M10 Dec 31, 2025$7.0M10 Dec 31, 2024−22.7%
Deposits held (banks)$1.3B10 Dec 31, 2025$1.3B10 Dec 31, 2024+4.3%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$7.3M10 Dec 31, 2025$7.3M10 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$09 Dec 31, 2024$8.0K9 Dec 31, 2023−100.0%

Properties, in its own words

The principal executive offices of Ohio Valley and the Bank are located at 420 Third Avenue, Gallipolis, Ohio. The Bank owns twelve financial service centers located in Gallipolis and Rio Grande (Gallia Co.), Jackson, Oak Hill, and Wellston (Jackson Co.), and Waverly (Pike Co.) in Ohio; and Point Pleasant and Mason (Mason Co.), and Milton and Barboursville (Cabell Co.) in West Virginia. The Bank leases six additional financial service centers located in Gallipolis (Gallia Co.), Athens (Athens Co.), and Ironton (Lawrence Co.) in Ohio; and Point Pleasant (Mason Co.), and Parkersburg (Wood Co.) in West Virginia. The Bank also owns and operates thirty-seven ATMs, including twenty-one off-site ATMs. Furthermore, the Bank owns three facilities in Gallipolis (Gallia Co.), Ohio, which are used for additional office space. The Bank also owns a facility in Gallipolis (Gallia Co.) in Ohio; and a facility in Point Pleasant (Mason Co.) in West Virginia, which are all leased to third parties.

Loan Central conducts its consumer finance operations through six offices located in Gallipolis (Gallia Co.), Jackson (Jackson Co.), Waverly (Pike Co.), South Point (Lawrence Co.), Wheelersburg (Scioto Co.) and Chillicothe (Ross Co.), all in Ohio. All of these facilities are owned by Loan Central, except for the South Point (Lawrence Co.) and Chillicothe (Ross Co.) facilities. Loan Central leases a portion of its Gallipolis (Gallia Co.) and Wheelersburg (Scioto Co.) facilities to third parties.

The rest of Item 2

Management considers all of these properties to be satisfactory for the Company’s current operations. The Bank and Loan Central’s leased facilities are all subject to commercially standard leasing arrangements.

Information concerning the value of the Company’s owned and leased real property and a summary of future lease payments is contained in “Note D – Premises and Equipment” and “Note E – Leases” of the notes to the Company’s financial statements for the fiscal year ended December 31, 2025, located in Ohio Valley’s 2025 Annual Report to Shareholders.

Item 2 of the 10-K filed Mar 13, 2026.4

Leadership

Who has led OHIO VALLEY BANC CORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Thomas E. Wiseman2012–2023
  2. Larry E. Miller Ii.2022–now

Chair

  1. Thomas E. Wiseman2024–now

President

  1. Thomas E. Wiseman2012–2019
  2. Larry E. Miller Ii.2019–now

Chief financial officer

  1. Scott W. Shockey2006–now

Chief operating officer

  1. Thomas E. Wiseman2010–2012
  2. Larry E. Miller Ii.2018–2022
  3. Ryan Joseph Jones2022–now
2010201520202025
Board members and other officers (31)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Aug 19, 20268-K Regulation FD disclosure53
  2. Jul 27, 20268-K Results of operations54
  3. Jul 14, 20268-K Other events55
  4. May 15, 20268-K Executive or director change; Bylaws or fiscal year changed; Shareholder vote56
  5. Apr 28, 20268-K Results of operations57
  6. Apr 14, 20268-K Other events58
  7. Feb 27, 20268-K Executive or director change59
  8. Jan 27, 20268-K Results of operations60
  9. Jan 13, 20268-K Other events61
  10. Oct 27, 20258-K Results of operations62
  11. Oct 21, 20258-K Other events63
  12. Aug 20, 20258-K Regulation FD disclosure64
  13. May 25, 2022New chief executive Larry E. Miller Ii. becomes CEO14
  14. May 11, 2012New chief executive Thomas E. Wiseman becomes CEO15

Calendar

Coming up

  1. Oct 26, 2026Reports results for the quarter ending Sep/202665

When it reported results

  1. Jul 27, 2026Reported quarterly or annual results54
  2. Apr 28, 2026Reported quarterly or annual results57
  3. Jan 27, 2026Reported quarterly or annual results60
  4. Oct 27, 2025Reported quarterly or annual results62
  5. Jul 25, 2025Reported quarterly or annual results66
  6. Apr 25, 2025Reported quarterly or annual results67
  7. Jan 28, 2025Reported quarterly or annual results68
  8. Oct 28, 2024Reported quarterly or annual results69

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

240 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 59 major events, 144 insider forms, 8 large holders, 9 other. The latest 20:

  1. Aug 19, 20268-K CURRENT REPORT FILING EDGAR
  2. Aug 13, 202610-Q FORM 10-Q AT 06/30/26 EDGAR
  3. Aug 12, 20264 PRIMARY DOCUMENT EDGAR
  4. Aug 12, 20264 PRIMARY DOCUMENT EDGAR
  5. Jul 27, 20268-K CURRENT REPORT FILING EDGAR
  6. Jul 14, 20268-K CURRENT REPORT FILING EDGAR
  7. May 15, 202610-Q FORM 10-Q AT 03/31/26 EDGAR
  8. May 15, 20268-K PROMOTIONS, AMENDMENTS TO CODE OF REGULATIONS AND VOTING RESULTS 05/13/26 EDGAR
  9. May 12, 20264 PRIMARY DOCUMENT EDGAR
  10. May 12, 20264 PRIMARY DOCUMENT EDGAR
  11. Apr 28, 20268-K EARNINGS RELEASE 03/31/26 EDGAR
  12. Apr 14, 20268-K DIVIDEND PAYABLE 05/10/26 EDGAR
  13. Apr 2, 2026DEF 14A EDGAR
  14. Mar 13, 202610-K EDGAR
  15. Mar 10, 20264 PRIMARY DOCUMENT EDGAR
  16. Feb 27, 20268-K D. THOMAS RETIREMENT AND T. WISEMAN RETIREMENT AS CHARIMAN OF THE BOARD EDGAR
  17. Feb 13, 20264 PRIMARY DOCUMENT EDGAR
  18. Feb 13, 20264 PRIMARY DOCUMENT EDGAR
  19. Feb 13, 20264 PRIMARY DOCUMENT EDGAR
  20. Feb 12, 2026SCHEDULE 13G/A EDGAR

The 240 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

43 open-market trades by officers, directors and large owners since October 2021: 39 buys and 4 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 12, 2026Michael Seth IsaacDirectorBuy67$44.49$3.0KForm 4
Aug 12, 2026BARNITZ ANNA PDirectorBuy34$44.49$1.5KForm 4
May 12, 2026Michael Seth IsaacDirectorBuy65$45.84$3.0KForm 4
May 12, 2026BARNITZ ANNA PDirectorBuy33$45.84$1.5KForm 4
Feb 13, 2026Michael Seth IsaacDirectorBuy69$42.81$3.0KForm 4
Feb 13, 2026BARNITZ ANNA PDirectorBuy35$42.81$1.5KForm 4
Dec 11, 2025JONES RYAN JOSEPHRISK OFFICER/COOSale6,250$41.66$260.4KForm 4
Nov 12, 2025BARNITZ ANNA PDirectorBuy42$35.75$1.5KForm 4
Nov 12, 2025Michael Seth IsaacDirectorBuy84$35.75$3.0KForm 4
Aug 11, 2025Michael Seth IsaacDirectorBuy86$34.90$3.0KForm 4
Aug 11, 2025BARNITZ ANNA PDirectorBuy43$34.90$1.5KForm 4
Jun 5, 2025ROBERTS EDWARD BRYANTDirectorBuy2,500$31.56$78.9KForm 4
Jun 4, 2025JONES RYAN JOSEPHRISK OFFICER/COOSale0$32.58$13Form 4
May 19, 2025Michael Seth IsaacDirectorBuy79$38.17$3.0KForm 4
May 19, 2025BARNITZ ANNA PDirectorBuy39$38.17$1.5KForm 4
Feb 21, 2025Michael Seth IsaacDirectorBuy115$26.08$3.0KForm 4
Feb 21, 2025BARNITZ ANNA PDirectorBuy58$26.08$1.5KForm 4
Nov 22, 2024BARNITZ ANNA PDirectorBuy59$25.34$1.5KForm 4
Nov 22, 2024Michael Seth IsaacDirectorBuy118$25.34$3.0KForm 4
Aug 26, 2024Michael Seth IsaacDirectorBuy123$24.20$3.0KForm 4

All 43 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

  • OHIO VALLEY BANK CoSCHEDULE 13G/A, 5 filings Feb 11, 2022 to Feb 12, 202670
  • Edward Allen BellSCHEDULE 13G, 3 filings May 1, 2023 to Feb 14, 202571

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 72. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.245,733$10.7M0.0%+39,251
Manufacturers Life Insurance Company, The176,497$7.7M0.0%−1,481
Vanguard Capital Management LLC162,246$7.0M0.0%+2,500
Dimensional Fund Advisors LP114,185$5.0M0.0%+18,399
Susquehanna International Group, Llp103,620$4.5M0.0%New
Geode Capital Management, LLC93,809$4.1M0.0%+6,656
State Street Corp70,207$3.0M0.0%+11,170
Bridgeway Capital Management, LLC37,053$1.6M0.0%+979
Prosperity Consulting Group, LLC34,749$1.5M0.1%No change
Northern Trust Corp32,641$1.4M0.0%+2,454
Corient Private Wealth LP31,621$1.2M0.0%No change
Vanguard Portfolio Management LLC25,784$1.1M0.0%+3,825
Vanguard Fiduciary Trust Co24,794$1.1M0.0%+1,286
Renaissance Technologies LLC21,275$924.0K0.0%+6,500
Kestra Advisory Services, LLC20,325$882.7K0.0%New
AA Financial Advisors, LLC18,050$783.9K0.1%−10,856
Marshall Wace, Llp15,033$652.9K0.0%New
Empowered Funds, LLC14,513$630.3K0.0%+979
O'shaughnessy Asset Management, LLC13,742$596.8K0.0%−3,231
Ritholtz Wealth Management10,912$473.9K0.0%−1,470
Charles Schwab Investment Management Inc10,490$455.6K0.0%+814
Trexquant Investment LP9,814$426.2K0.0%New
Citadel Advisors LLC9,680$420.4K0.0%New
Bank of New York Mellon Corp8,963$389.3K0.0%+553
Goldman Sachs Group Inc8,812$382.7K0.0%−5,891

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How OHIO VALLEY BANC CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAROHIO VALLEY BANC CORP1
  • CIK0000894671
  • Employer ID (EIN)31-13591914
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inOhio4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address420 Third Ave, Gallipolis, OH 456311
  • Mailing address420 Third Avenue, Po Box 240, Gallipolis, OH 456311
  • Phone74044626311
  • Shares outstanding4,711,001 as of Aug 12, 202612
  • Public float$135.7M as of Jun 30, 20254
  • AuditorPlante & Moran, PLLC, Cleveland, Ohio PCAOB ID 166; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceAug 14, 19961
  • Filings2,388 in all: 4 (1,768), 8-K (253), 5 (98), 10-Q (91), 10-K (30), DEF 14A (30), 3 (19), SC 13G (17)1
    All 37 form types

    SC 13G/A (16), 4/A (9), 8-K/A (6), ARS (6), SC 13D/A (5), 424B3 (4), UPLOAD (4), EFFECT (3), PRE 14A (3), 10-K/A (2), 10-Q/A (2), CORRESP (2), NT 10-Q (2), S-3 (2), SCHEDULE 13G/A (2), 10-C (1), 144 (1), 3/A (1), 5/A (1), D (1), DEFA14A (1), DEFR14A (1), POS AM (1), S-3/A (1), S-3DPOS (1), S-4 (1), S-4/A (1), SC 13D (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Mar 13, 2026
    Quarterly report (10-Q) Aug 13, 2026
    Proxy statement (DEF 14A) Apr 2, 2026
    Latest 8-K (8-K) Aug 19, 2026

Securities registered for trading

ClassSymbolExchange
Common Shares, without par valueOVBCNASDAQ

From the cover page of the 10-K filed Mar 13, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks OHIO VALLEY BANC CORP names in Item 1A of its 10-K filed Mar 13, 2026: 5 risks under these headings, as written.4

  • Cautionary Statement Regarding Forward-Looking Information
  • Risks Related to Economic, Political and Market Conditions
  • Risks Related to Our Business
  • Operational system failures and service interruptions.
  • Third-party service provider and vendor risks.
  • Employee errors, misconduct, and fraud.
  • Cyber-attacks and data security breaches.
  • Risks Related to Legal, Regulatory and Accounting Changes
  • General Risk Factors

Legal proceedings

From time to time, the Company may be involved in various claims and legal actions in the ordinary course of business. The Company is not currently involved in any material legal proceedings outside the ordinary course of the Company’s business.

The opening of Item 3, Legal Proceedings.4

Sources

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