, /PRNewswire/ -- Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") reported consolidated net income for the quarter ended September 30, 2025, of $3,030,000, an increase of $311,000, or 11.4%, from the same period the prior year. Earnings per share for the third quarter of 2025 were $.64 compared to $.58 for the prior year third quarter. For the nine months ended September 30, 2025, net income totaled $11,646,000, an increase of $3,162,000, or 37.3%, from the same period the prior year. Earnings per share were $2.47 for the first nine months of 2025 versus $1.79 for the first nine months of 2024. Return on average assets and return on average equity were 1.03% and 9.95%, respectively, for the first nine months of 2025, compared to .81% and 7.80%, respectively, for the same period in the prior year.

/PRNewswire/ -- 俄亥俄河谷銀行（Ohio Valley Banc Corp.）[納斯達克：OVBC]（以下簡稱 “公司”）報告截至2025年9月30日的季度合併淨收入為 3,030,000 美元，比去年同期增加 311,000 美元，增幅為 11.4%。2025 年第三季度每股收益為 0.64 美元，而去年第三季度為 0.58 美元。截止2025年9月30日的九個月，淨收入總計為 11,646,000 美元，比去年同期增加 3,162,000 美元，增幅為 37.3%。2025 年前九個月每股收益為 2.47 美元，而 2024 年前九個月為 1.79 美元。2025 年前九個月的平均資產回報率和平均股本回報率分別為 1.03% 和 9.95%，而去年同期分別為 0.81% 和 7.80%。

Ohio Valley Banc Corp. President and CEO, Larry Miller said, "The strong growth in net income afforded us the opportunity to harvest some losses in our securities portfolio, allowing us to plant the seeds for future interest income and net interest margin improvement. These robust results are a credit to the hard work and relationship building efforts of all our employees as we seek to enhance shareholder value."

俄亥俄河谷銀行總裁兼首席執行官拉里·米勒（Larry Miller）表示：“淨收入的強勁增長使我們有機會在證券投資組合中收割一些損失，從而為未來的利息收入和淨利差改善播下種子。這些強勁的業績歸功於我們所有員工的辛勤工作和關係建設努力，因為我們致力於提升股東價值。”

For the three months ended September 30, 2025, net interest income increased $2,016,000, and for the nine months ended September 30, 2025, net interest income increased $6,538,000 from the same respective periods last year. These increases were related to the increase in both average earning assets and the net interest margin for the respective periods. For the nine months ended September 30, 2025, average earning assets increased $114 million from the same period last year, led by the $75 million growth in average securities and the $65 million growth in average loans. The growth in average securities was related to the Company participating in a program offered by the Ohio Treasurer called OhioHomebuyer Plus starting in the third quarter of 2024. As a participant in the program, the Company developed the Sweet Home Ohio deposit account to offer participants an above-market interest rate along with a deposit bonus to assist customers in achieving their home savings goals. At September 30, 2025, the balance of Sweet Home Ohio accounts totaled $9.0 million, as compared to $5.3 million at September 30, 2024. For each Sweet Home Ohio account that was opened, the Company received a deposit from the Ohio Treasurer at a subsidized interest rate. At September 30, 2025, the amount deposited by the Treasurer totaled $72.5 million, a decrease from $99.6 million at September 30, 2024. Since the Treasurer deposits are classified as public funds, which are required to be collateralized, the Company invested the funds in securities to be pledged as collateral to the Treasurer. The investment of these funds was the primary contributor to the increase in securities from the first nine months of 2024. The growth in average loans was related to the commercial real estate, commercial and industrial, and residential real estate lending segments. The growth in these segments was partially offset by a decrease in consumer loans, as this segment was deemphasized by the Company starting in 2024 to focus on more profitable portfolio segments. For the same period, the average balance of cash maintained at the Federal Reserve decreased $26 million to assist with funding loan growth and to generate a higher rate of return. Most of the growth in other funding sources occurred in average NOW, money market accounts, and savings accounts which increased $85 million from the first nine months of 2024. A large portion of this growth was related to the Ohio Treasurer's matching funds received for the Ohio Homebuyer Plus program along with the deposits made to the Sweet Home Ohio account. Based on the growth in these lower-cost deposits, the average growth in higher-cost certificates of deposit was limited to $19 million for the first nine months of 2025 versus the same period last year.

截至2025年9月30日的三個月，淨利息收入增加了 2,016,000 美元，而截至2025年9月30日的九個月，淨利息收入比去年同期增加了 6,538,000 美元。這些增長與平均收益資產和各自期間的淨利差增加有關。截止2025年9月30日，平均收益資產比去年同期增加了 1.14 億美元，其中平均證券增長了 7500 萬美元，平均貸款增長了 6500 萬美元。平均證券的增長與公司參與俄亥俄州財政部長提供的名為 OhioHomebuyer Plus 的項目有關，該項目自 2024 年第三季度開始。作為該項目的參與者，公司開發了 Sweet Home Ohio 存款賬户，為參與者提供高於市場的利率以及存款獎金，以幫助客户實現住房儲蓄目標。截至2025年9月30日，Sweet Home Ohio 賬户的餘額總計為 900 萬美元，而2024年9月30日為 530 萬美元。每開設一個 Sweet Home Ohio 賬户，公司都會從俄亥俄州財政部長那裏獲得一筆以補貼利率存入的資金。截至2025年9月30日，財政部長存入的金額總計為 7250 萬美元，較2024年9月30日的 9960 萬美元有所減少。由於財政部長的存款被歸類為公共資金，需提供抵押擔保，因此公司將這些資金投資於證券，以作為抵押品提供給財政部長。這些資金的投資是 2024 年前九個月證券增加的主要原因。平均貸款的增長與商業房地產、商業和工業以及住宅房地產貸款領域有關。這些領域的增長部分被消費者貸款的減少所抵消，因為公司自 2024 年起開始不再強調這一領域，以專注於更有利可圖的投資組合領域。在同一期間，維持在聯邦儲備銀行的現金平均餘額減少了 2600 萬美元，以幫助資助貸款增長併產生更高的回報。其他資金來源的大部分增長髮生在平均 NOW、貨幣市場賬户和儲蓄賬户中，這些賬户比 2024 年前九個月增加了 8500 萬美元。這一增長的很大一部分與俄亥俄州財政部長為 Ohio Homebuyer Plus 項目提供的匹配資金以及存入 Sweet Home Ohio 賬户的存款有關。基於這些低成本存款的增長，2025 年前九個月高成本定期存款的平均增長僅限於 1900 萬美元，而去年同期為同一時期。

For the third quarter of 2025, the net interest margin was 4.05%, an increase from 3.76% for the third quarter of 2024. For the nine months ended September 30, 2025, the net interest margin was 4.03%, an increase from 3.71% for the same period last year. The increase in the net interest margin was related to the yield on earning assets increasing, while the cost of funding sources decreased. The yield on earning assets improved in relation to the growth in higher yielding securities and loans, along with the recognition of a market discount on purchased loans totaling $817,000 during the second quarter. The cost of funding sources decreased as the composition of funding sources shifted to lower cost deposit sources, such as, NOW, money market, and savings accounts. Furthermore, the average cost of certificates of deposit decreased as higher costing certificates repriced to lower current market rates.

截至 2025 年第三季度，淨利差為 4.05%，較 2024 年第三季度的 3.76% 有所增加。截止2025年9月30日的九個月，淨利差為 4.03%，較去年同期的 3.71% 有所增加。淨利差的增加與收益資產的收益率上升有關，而資金來源的成本則下降。收益資產的收益率因高收益證券和貸款的增長而改善，同時在第二季度確認了 817,000 美元的購買貸款市場折扣。資金來源的成本下降是因為資金來源的組成轉向了低成本存款來源，如 NOW、貨幣市場和儲蓄賬户。此外，定期存款的平均成本下降，因為高成本的定期存款重新定價為當前市場的較低利率。

For the three months ended September 30, 2025, the provision for credit loss expense totaled $1,112,000, an increase of $192,000 from the same period last year. The quarterly provision for credit loss expense was primarily associated with the $29 million quarterly increase in loan balances, the quarter-to-date net charge-offs of $369,000, and the increase in a certain qualitative risk factor. For the nine months ended September 30, 2025, the provision for credit losses was $2,676,000, an increase of $824,000 from the same period last year. The year-to-date provision for credit loss expense was primarily associated with net charge-offs of $1,109,000, loan growth of $69 million, an increase in modeled loss rates due to the regression in GDP and unemployment projections, and the qualitative risk factor mentioned above. The ratio of nonperforming loans to total loans was .42% at September 30, 2025, compared to .46% at December 31, 2024, and .44% at September 30, 2024. The allowance for credit losses was 1.01% of total loans at September 30, 2025, compared to .95% at December 31, 2024, and .95% at September 30, 2024.

截至2025年9月30日的三個月內，信用損失費用的準備金總額為 1,112,000 美元，比去年同期增加 192,000 美元。季度信用損失費用的準備金主要與 2900 萬美元的貸款餘額季度增加、369,000 美元的季度淨核銷以及某些定性風險因素的增加相關。截止2025年9月30日的九個月內，信用損失準備金為 2,676,000 美元，比去年同期增加 824,000 美元。今年迄今的信用損失費用準備金主要與 1109,000 美元的淨核銷、6900 萬美元的貸款增長、由於 GDP 和失業率預測迴歸導致的模型損失率增加以及上述提到的定性風險因素相關。截止2025年9月30日，不良貸款佔總貸款的比例為 0.42%，相比之下，2024年12月31日為 0.46%，2024年9月30日為 0.44%。截至2025年9月30日，信用損失準備金佔總貸款的比例為 1.01%，相比之下，2024年12月31日為 0.95%，2024年9月30日為 0.95%。

For the three and nine months ended September 30, 2025, noninterest income decreased $1,106,000 and $1,009,000, respectively, from the same periods last year. The decreases were largely due to the loss on the sale of securities, which increased $1,219,000 from the same periods the prior year. During the third quarter of 2025, the Company sold $11.0 million in securities that were yielding 1.32%. The proceeds were reinvested into securities yielding 4.37%, which will increase future interest income and the net interest margin. Partially offsetting the security losses was interchange income earned on debit and credit cards, which increased $91,000 and $151,000 during the three and nine months ended September 30, 2025, compared to the same periods from 2024, respectively.

截至2025年9月30日的三個月和九個月內，非利息收入分別減少 1,106,000 美元和 1,009,000 美元，主要由於證券出售損失的增加，較去年同期增加 1,219,000 美元。在 2025 年第三季度，公司出售了價值 1100 萬美元、收益率為 1.32% 的證券。所得款項被再投資於收益率為 4.37% 的證券，這將增加未來的利息收入和淨利差。部分抵消證券損失的是借記卡和信用卡的手續費收入，分別在截至2025年9月30日的三個月和九個月內增加了 91,000 美元和 151,000 美元，相比於 2024 年的同期。

For the three months ended September 30, 2025, noninterest expense totaled $11,489,000, an increase of $269,000 from the same period last year. For the nine months ended September 30, 2025, noninterest expense totaled $33,356,000, an increase of $532,000, or only 1.6%, from the same period last year. The Company's largest noninterest expense, salaries and employee benefits, decreased $229,000 as compared to the third quarter of 2024, and decreased $376,000 as compared to the first nine months of 2024. The decreases were primarily related to the savings realized from the voluntary early retirement program implemented in 2024, which was partially offset by annual merit increases. Higher noninterest expense came primarily from data processing expense, which increased $114,000 during the third quarter of 2025, and $413,000 during the first nine months of 2025, compared to the same periods from 2024. Higher costs in this category were related to debit and credit card processing due to higher transaction volume and conversion costs for the Company's new rewards platform. Further contributing to higher noninterest expense was marketing expense. For the three and nine months ended September 30, 2025, marketing expense increased $52,000 and $164,000, respectively, from the same periods last year. The increase was primarily related to advertising and costs associated with supporting the communities we serve.

截至2025年9月30日的三個月內，非利息費用總額為 11,489,000 美元，比去年同期增加 269,000 美元。截止2025年9月30日的九個月內，非利息費用總額為 33,356,000 美元，比去年同期增加 532,000 美元，僅增加 1.6%。公司的最大非利息費用——薪資和員工福利，與 2024 年第三季度相比減少了 229,000 美元，與 2024 年前九個月相比減少了 376,000 美元。這些減少主要與 2024 年實施的自願提前退休計劃所實現的節省有關，但部分被年度績效增加所抵消。非利息費用的增加主要來自數據處理費用，2025 年第三季度增加了 114,000 美元，2025 年前九個月增加了 413,000 美元，相比於 2024 年的同期。此類別的成本增加與借記卡和信用卡處理相關，因交易量增加和公司新獎勵平台的轉換成本。進一步導致非利息費用增加的是市場營銷費用。截止2025年9月30日的三個月和九個月內，市場營銷費用分別增加了 52,000 美元和 164,000 美元，主要與廣告和支持我們服務的社區相關的費用增加有關。

The Company's total assets at September 30, 2025 were $1.570 billion, an increase of $67 million from December 31, 2024. Since December 31, 2024, loan balances increased $69 million despite a $31 million decrease in a warehouse line of credit extended to another mortgage lender. The paydown occurred in the first quarter of 2025 and was a result of lower mortgage volume due to higher mortgage rates and the increase in the lead bank's internal capacity in relation to a capital infusion. At September 30, 2025, the balance of this line of credit was $0, but draw downs on the line of credit began again post quarter end. The future balance of the line of credit will depend on mortgage volume and the funding needs of the lead bank, but it is expected to increase. The growth in loans occurred mostly in the targeted areas of commercial real estate, commercial and industrial, and residential real estate. The growth in these segments was partially offset by a decrease in consumer loans, as this segment has been deemphasized by the Company due to profitability relative to other loan portfolio segments. The increase in loans was primarily funded by a $57 million increase in total deposits, led by time deposits. At September 30, 2025, shareholders' equity increased $14.1 million from year end 2024. This was primarily from year-to-date net income of $11.6 million and an increase in accumulated other comprehensive income of $5.6 million, partially offset by cash dividends paid of $3.2 million. The increase in accumulated other comprehensive income was related to the $4.7 million, net of tax, market appreciation of securities due to a decrease in market interest rates and the recognition of a $950,000, net of tax, realized loss on the sale of securities that was previously unrealized.

截至2025年9月30日，公司總資產為 15.7 億美元，比2024年12月31日增加了 6700 萬美元。自2024年12月31日以來，儘管向另一家抵押貸款機構提供的信貸額度減少了 3100 萬美元，但貸款餘額仍增加了 6900 萬美元。該信貸額度的償還發生在 2025 年第一季度，原因是由於抵押貸款利率上升導致的抵押貸款量下降，以及主導銀行內部能力的增加與資本注入相關。截至2025年9月30日，該信貸額度的餘額為 0，但在季度結束後信貸額度的提款再次開始。未來信貸額度的餘額將取決於抵押貸款量和主導銀行的資金需求，但預計將會增加。貸款的增長主要發生在商業房地產、商業和工業以及住宅房地產的目標領域。這些領域的增長部分被消費者貸款的減少所抵消，因為公司由於相對於其他貸款組合領域的盈利能力而對該領域進行了減弱。貸款的增加主要由 5700 萬美元的總存款增加所資助，主要是定期存款。截至2025年9月30日，股東權益比 2024 年年末增加了 1410 萬美元，主要來自年初至今的淨收入 1160 萬美元和累計其他綜合收益增加 560 萬美元，部分被支付的現金股息 320 萬美元所抵消。累計其他綜合收益的增加與證券市場增值 470 萬美元（税後）相關，原因是市場利率下降，以及確認了 950,000 美元（税後）的證券出售實現損失，該損失之前未實現。

Ohio Valley Banc Corp. common stock is traded on the NASDAQ Global Market under the symbol OVBC. The holding company owns The Ohio Valley Bank Company with 18 offices in Ohio and West Virginia, and Loan Central, Inc. with six consumer finance offices in Ohio. Learn more about Ohio Valley Banc Corp. at www.ovbc.com.

俄亥俄河谷銀行公司的普通股在納斯達克全球市場交易，股票代碼為 OVBC。該控股公司擁有俄亥俄河谷銀行公司，在俄亥俄州和西弗吉尼亞州設有 18 個辦事處，以及 Loan Central, Inc.，在俄亥俄州設有六個消費者金融辦事處。瞭解更多關於俄亥俄河谷銀行公司的信息，請訪問 www.ovbc.com。

Caution Regarding Forward-Looking Information

關於前瞻性信息的警示

Certain statements contained in this earnings release that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as "believes," "anticipates," "expects," "appears," "intends," "targeted" and similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying those statements. Forward-looking statements involve risks and uncertainties. Actual results may differ materially from those predicted by the forward-looking statements because of various factors and possible events, including: (i) changes in political, economic or other factors, such as inflation rates, recessionary or expansive trends, taxes, the effects of implementation of federal legislation with respect to taxes, tariffs and government spending and the continuing economic uncertainty in various parts of the world; (ii) competitive pressures; (iii) fluctuations in interest rates; (iv) the level of defaults and prepayment on loans made by the Company; (v) unanticipated litigation, claims, or assessments; (vi) fluctuations in the cost of obtaining funds to make loans; (vii) regulatory changes; and (viii) other factors that may be described in the Company's Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q as filed with the Securities and Exchange Commission from time to time. Forward-looking statements speak only as of the date on which they are made, and the Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made to reflect unanticipated events.

本財報中包含的某些聲明並非歷史事實的陳述，而是根據 1995 年《私人證券訴訟改革法案》的定義構成前瞻性聲明。諸如 “相信”、“預期”、“期望”、“似乎”、“打算”、“目標” 等詞語旨在識別前瞻性聲明，但並非識別這些聲明的唯一方式。前瞻性聲明涉及風險和不確定性。由於各種因素和可能事件，實際結果可能與前瞻性聲明預測的結果有重大差異，包括：(i) 政治、經濟或其他因素的變化，例如通貨膨脹率、衰退或擴張趨勢、税收、聯邦立法實施對税收、關税和政府支出的影響，以及世界各地持續的經濟不確定性；(ii) 競爭壓力；(iii) 利率波動；(iv) 公司發放貸款的違約和提前還款水平；(v) 意外的訴訟、索賠或評估；(vi) 獲取資金以發放貸款的成本波動；(vii) 監管變化；以及 (viii) 其他可能在公司不時向證券交易委員會提交的 10-K 表格年度報告和 10-Q 表格季度報告中描述的因素。前瞻性聲明僅在作出之日有效，公司沒有義務更新任何前瞻性聲明，以反映聲明作出後發生的事件或情況，以反映意外事件。


OHIO VALLEY BANC CORP - Financial Highlights (Unaudited)

			Three months ended		Nine months ended
			September 30,		September 30,
			2025		2024		2025		2024
PER SHARE DATA
Earnings per share			$ 0.64		$ 0.58		$ 2.47		$ 1.79
Dividends per share			$ 0.23		$ 0.22		$ 0.68		$ 0.66
Book value per share			$ 34.90		$ 32.30		$ 34.90		$ 32.30
Dividend payout ratio (a)			35.76%		38.12%		27.51%		37.03%
Weighted average shares outstanding	4,711,001		4,711,001		4,711,001		4,745,489

DIVIDEND REINVESTMENT (in 000's)
Dividends reinvested under
employee stock ownership plan (b)	$ -		$ -		$ 195		$ 202
Dividends reinvested under
dividend reinvestment plan (c)		$ 327		$ 374		$ 1,039		$ 1,156

PERFORMANCE RATIOS
Return on average equity			7.44%		7.39%		9.95%		7.80%
Return on average assets			0.78%		0.75%		1.03%		0.81%
Net interest margin (d)			4.05%		3.76%		4.03%		3.71%
Efficiency ratio (e)			69.70%		72.01%		65.52%		72.27%
Average earning assets (in 000's)		$ 1,443,534		$ 1,345,481		$ 1,416,815		$ 1,302,630

(a) Total dividends paid as a percentage of net income.
(b) Shares may be purchased from OVBC and on secondary market.
(c) Shares may be purchased from OVBC and on secondary market.
(d) Fully tax-equivalent net interest income as a percentage of average earning assets.
(e) Noninterest expense as a percentage of fully tax-equivalent net interest income plus noninterest income.

OHIO VALLEY BANC CORP - Consolidated Statements of Income (Unaudited)
			Three months ended		Nine months ended
(in $000's)			September 30,		September 30,
			2025		2024		2025		2024
Interest income:
Interest and fees on loans			$ 18,659		$ 16,694		$ 53,338		$ 48,074
Interest and dividends on securities		2,325		1,921		7,020		4,014
Interest on interest-bearing deposits with banks	563		790		2,028		3,653
Total interest income			21,547		19,405		62,386		55,741
Interest expense:
Deposits			6,442		6,245		18,563		18,246
Borrowings			508		579		1,551		1,761
Total interest expense			6,950		6,824		20,114		20,007
Net interest income			14,597		12,581		42,272		35,734
Provision for (recovery of) credit losses	1,112		920		2,676		1,852
Noninterest income:
Service charges on deposit accounts	823		810		2,266		2,266
Trust fees			84		99		287		304
Income from bank owned life insurance and
annuity assets			236		237		719		688
Mortgage banking income			45		39		122		118
Electronic refund check/deposit fees	1		0		676		675
Debit / credit card interchange income	1,417		1,326		3,845		3,694
Loss on sale of securities			(1,219)		0		(1,219)		0
Tax preparation fees			3		7		637		640
Other			358		336		909		866
Total noninterest income			1,748		2,854		8,242		9,251
Noninterest expense:
Salaries and employee benefits		6,367		6,596		18,573		18,949
Occupancy			521		485		1,535		1,491
Furniture and equipment			346		327		1,034		987
Professional fees			515		510		1,515		1,503
Marketing expense			280		228		838		674
FDIC insurance			179		160		526		469
Data processing			934		820		2,828		2,415
Software			591		542		1,719		1,704
Other			1,756		1,552		4,788		4,632
Total noninterest expense			11,489		11,220		33,356		32,824
Income before income taxes			3,744		3,295		14,482		10,309
Income taxes			714		576		2,836		1,825
NET INCOME			$ 3,030		$ 2,719		$ 11,646		$ 8,484
OHIO VALLEY BANC CORP - Consolidated Balance Sheets (Unaudited)

(in $000's, except share data)							September 30,		December 31,
							2025		2024
ASSETS
Cash and noninterest-bearing deposits with banks					$ 17,066		$ 15,704
Interest-bearing deposits with banks						72,250		67,403
Total cash and cash equivalents						89,316		83,107
Securities available for sale							260,765		268,120
Securities held to maturity, net of allowance for credit losses of $1 in 2025 and 2024	6,474		7,049
Restricted investments in bank stocks					5,007		5,007
Total loans							1,130,534		1,061,825
Less: Allowance for credit losses						(11,420)		(10,088)
Net loans							1,119,114		1,051,737
Premises and equipment, net							20,774		21,229
Premises and equipment held for sale, net					492		507
Accrued interest receivable							5,509		4,805
Goodwill							7,319		7,319
Bank owned life insurance and annuity assets					42,595		42,048
Operating lease right-of-use asset, net					971		1,024
Deferred tax assets							6,056		7,218
Other assets							5,651		4,242
Total assets							$ 1,570,043		$ 1,503,412

LIABILITIES
Noninterest-bearing deposits							$ 322,848		$ 322,383
Interest-bearing deposits							1,009,639		952,795
Total deposits							1,332,487		1,275,178
Other borrowed funds							36,024		39,740
Subordinated debentures							8,500		8,500
Operating lease liability							971		1,024
Allowance for credit losses on off-balance sheet commitments				817		582
Other liabilities							26,827		28,060
Total liabilities							1,405,626		1,353,084

SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized;
5,490,995 shares issued)							5,491		5,491
Additional paid-in capital							52,321		52,321
Retained earnings							130,135		121,693
Accumulated other comprehensive income (loss)					(4,837)		(10,484)
Treasury stock, at cost (779,994 shares)					(18,693)		(18,693)
Total shareholders' equity							164,417		150,328
Total liabilities and shareholders' equity					$ 1,570,043		$ 1,503,412


俄亥俄河谷銀行 - 財務亮點（未經審計）

			截至三個月		截至九個月
			2025年9月30日		2024年9月30日
					2025 年		2024 年
每股數據
每股收益			$ 0.64		$ 0.58		$ 2.47		$ 1.79
每股分紅			$ 0.23		$ 0.22		$ 0.68		$ 0.66
每股賬面價值			$ 34.90		$ 32.30		$ 34.90		$ 32.30
分紅支付比率 (a)			35.76%		38.12%		27.51%		37.03%
加權平均流通股數	4,711,001		4,711,001		4,711,001		4,745,489

分紅再投資（以千為單位）
根據
員工持股計劃 (b)	$ -		$ -		$ 195		$ 202
根據
分紅再投資計劃 (c)		$ 327		$ 374		$ 1,039		$ 1,156

績效比率
平均股本回報率			7.44%		7.39%		9.95%		7.80%
平均資產回報率			0.78%		0.75%		1.03%		0.81%
淨利息差 (d)			4.05%		3.76%		4.03%		3.71%
效率比率 (e)			69.70%		72.01%		65.52%		72.27%
平均收益資產（以千為單位）		$ 1,443,534		$ 1,345,481		$ 1,416,815		$ 1,302,630

(a) 總分紅支付佔淨收入的百分比。
(b) 股票可以從 OVBC 和二級市場購買。
(c) 股票可以從 OVBC 和二級市場購買。
(d) 完全税收等效的淨利息收入佔平均收益資產的百分比。
(e) 非利息費用佔完全税收等效的淨利息收入加非利息收入的百分比。

俄亥俄河谷銀行 - 合併損益表（未經審計）
			截至三個月		截至九個月
（以$000 為單位）			2025年9月30日		2024年9月30日

利息收入：
貸款的利息和費用			$ 18,659		$ 16,694		$ 53,338		$ 48,074
證券的利息和紅利		2,325		1,921		7,020		4,014
銀行的利息-bearing 存款	563		790		2,028		3,653
總利息收入			21,547		19,405		62,386		55,741
利息費用：
存款			6,442		6,245		18,563		18,246
借款			508		579		1,551		1,761
總利息費用			6,950		6,824		20,114		20,007
淨利息收入			14,597		12,581		42,272		35,734
信用損失準備（恢復）	1,112		920		2,676		1,852
非利息收入：
存款賬户的服務費	823		810		2,266		2,266
信託費用			84		99		287		304
銀行擁有的壽險和
年金資產			236		237		719		688
抵押貸款銀行收入			45		39		122		118
電子退款支票/存款費用	1		0		676		675
借記/信用卡互換收入	1,417		1,326		3,845		3,694
證券出售損失			(1,219)		0		(1,219)		0
税務準備費用			3		7		637		640
其他			358		336		909		866
總非利息收入			1,748		2,854		8,242		9,251
非利息費用：
薪資和員工福利		6,367		6,596		18,573		18,949
房屋租賃			521		485		1,535		1,491
傢俱和設備			346		327		1,034		987
專業費用			515		510		1,515		1,503
營銷費用			280		228		838		674
FDIC 保險			179		160		526		469
數據處理			934		820		2,828		2,415
軟件			591		542		1,719		1,704
其他			1,756		1,552		4,788		4,632
總非利息費用			11,489		11,220		33,356		32,824
税前收入			3,744		3,295		14,482		10,309
所得税			714		576		2,836		1,825
淨收入			$ 3,030		$ 2,719		$ 11,646		$ 8,484
俄亥俄河谷銀行 - 合併資產負債表（未經審計）

（以$000 為單位，除股數外）							2025年9月30日		2024年12月31日

資產
現金和無息存款					$ 17,066		$ 15,704
有息存款						72,250		67,403
總現金及現金等價物						89,316		83,107
可供出售證券							260,765		268,120
持有至到期證券，減去 2025 年和 2024 年的信用損失準備金$1	6,474		7,049
銀行股票的限制投資					5,007		5,007
總貸款							1,130,534		1,061,825
減：信用損失準備						(11,420)		(10,088)
淨貸款							1,119,114		1,051,737
房產和設備，淨值							20,774		21,229
待售房產和設備，淨值					492		507
應收利息							5,509		4,805
商譽							7,319		7,319
銀行擁有的壽險和年金資產					42,595		42,048
租賃使用權資產，淨值					971		1,024
遞延所得税資產							6,056		7,218
其他資產							5,651		4,242
總資產							$ 1,570,043		$ 1,503,412

負債
無息存款							$ 322,848		$ 322,383
有息存款							1,009,639		952,795
總存款							1,332,487		1,275,178
其他借款							36,024		39,740
次級債券							8,500		8,500
租賃負債							971		1,024
表外承諾的信用損失準備				817		582
其他負債							26,827		28,060
總負債							1,405,626		1,353,084

股東權益
普通股（每股面值$1.00，授權 10,000,000 股；
已發行 5,490,995 股）							5,491		5,491
額外實收資本							52,321		52,321
留存收益							130,135		121,693
累計其他綜合收益（損失）					(4,837)		(10,484)
庫存股，按成本計算（779,994 股）					(18,693)		(18,693)
總股東權益							164,417		150,328
總負債和股東權益					$ 1,570,043		$ 1,503,412

Contact: Scott Shockey, CFO (740) 446-2631

聯繫人：Scott Shockey，首席財務官 (740) 446-2631

SOURCE Ohio Valley Banc Corp.

來源：俄亥俄河谷銀行

俄亥俄河谷銀行公司公佈第三季度財報 | OVBC 股票新聞