Ohio Valley Banc Corp. Reports 3rd Quarter Earnings
Ohio Valley Banc Corp. reported Q3 2026 net income of $3.295 million, up 8.7% year-over-year, with EPS of $0.70 versus $0.64 a year ago. Nine-month net income fell 9.7% to $10.519 million, driven by a provision for credit losses of $8.2 million YTD, including net charge-offs tied to an automobile dealership loan and a foreclosed commercial real estate asset. Loan growth remains strong — average loans up $140 million YTD — funded by promotional CDs and money market accounts, while net interest margin slipped to 3.99% YTD on elevated funding costs.
Key figures
- Eps
- 0.7
- Revenue Yoy
- 0
- Roa ytd
- 0.85%
- Roe ytd
- 8.14%
- Ytd eps
- 2.23
- Total assets
- 1655351000
- Q3 net income
- 3295000
- Ytd net income
- 10519000
- Allowance ratio
- 1.05%
- Prior year ytd eps
- 2.47
- Q3 net charge offs
- 6357000
- Net interest margin q3
- 4.03%
- Net interest margin ytd
- 3.99%
- Q3 net income yoy change
- 8.7%
- Nonperforming loans ratio
- 1.09%
- Ytd net income yoy change
- -9.7%
- Q3 provision credit losses
- 2825000
- Ytd provision credit losses
- 8202000
AI analysis
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