[{"_1":2,"_3":-5,"_4":-5},"loaderData",{"_5":6,"_7":8},"actionData","errors","root",{"_98":99},"en-item",{"_9":10,"_10":11},"kind","item",{"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27,"_28":29,"_30":31,"_32":31,"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":46,"_47":-5,"_48":49,"_50":-5,"_51":-5,"_52":53,"_54":55,"_56":57,"_58":42,"_59":42,"_60":61,"_62":42,"_63":64},"id","lx78bqy7ty17c37kigldpr7kz","revision",2,"title","Ohio Valley Banc Corp.公布2026年第三季度业绩：净收入329.5万美元，同比增长8.7%","originalTitle","OHIO VALLEY BANC CORP (0000894671) (Filer)","summary","Ohio Valley Banc Corp.报告称，截至2026年9月30日的第三季度净收入为329.5万美元，同比增加26.5万美元、增长8.7%；每股收益为0.70美元，上年同期为0.64美元。","reason","第三季度净收入同比增加，但前九个月净收入下降，信贷损失拨备增加是业绩表现的重要背景。","source",{"_12":89,"_90":91,"_9":92,"_93":42,"_94":95,"_96":97},"links",{"_86":87,"_78":88},"publishedAt","2026-10-27T17:11:56.000Z","discoveredAt","2026-10-27T17:26:56.210Z","timelineAt","category","ai-products","tags",[83,84,85],"stockSymbols",[82],"score",65,"selected",true,"channel","news","story",{"_73":74,"_16":75},"x","readingMode","full","author","language","body",{"_64":77,"_78":-5,"_79":80,"_81":42},"outline",[],"relatedStories",[76],"indexable","markdownAvailable","group",{"_65":66,"_45":67,"_68":69,"_70":71,"_72":71},"hasTranslation","bodyLanguage","zh","factId","fk4krHG-ixSc",{"_73":74,"_16":75},"reportCount",1,"additionalSourceCount",0,"developmentCount","publicId","6a598ae3-3aed-43b8-82f7-4c9bb541ba35","Ohio Valley Banc Corp.公布2026年第三季度业绩",{"_73":74,"_16":75},"

美利坚合众国\n

\n 证券交易委员会\n

\n 华盛顿特区 20549\n

8-K 表

\n 当前报告 \n

\n 根据 1934 年《证券交易法》第 13 或 15(d) 条\n

2026 年 10 月 27 日

\n 报告日期（最早报告事件日期）\n

OHIO VALLEY BANC CORP.

\n （注册人章程中指定的确切名称）\n

俄亥俄州

\n （注册成立所在州或其他司法管辖区）\n

0-20914	31-1359191
（委员会档案编号）	（美国国税局雇主识别号）

420 Third Avenue, P.O. Box 240 Gallipolis, Ohio	45631 （邮政编码）
（主要行政办公室地址）

注册人电话号码（含区号）： (740) 446-2631

\n 不适用\n

\n （如自上次报告以来发生变更，则为原名称或原地址。）\n

\n 如果本 8-K 表申报旨在同时履行注册人在以下任何规定下的申报义务，请勾选相应方框：\n

☐

根据《证券法》第 425 条（17 CFR 230.425）进行的书面通信

☐

根据《交易法》第 14a-12 条（17 CFR 240.14a-12）进行的征求材料

☐

根据《交易法》第 14d-2(b) 条（17 CFR 240.14d-2(b）进行的要约开始前通信

☐

根据《交易法》第 13e-4(c) 条（17 CFR 240.13e-4(c)）进行的要约开始前通信

请勾选以表明注册人是否为《1933 年证券法》第 405 条（本章 §230.405）或《1934 年证券交易法》第 12b-2 条（本章 §240.12b-2）所定义的新兴成长型公司。新兴成长型公司 

\n 如果注册人为新兴成长型公司，请勾选以表明其是否选择不采用《交易法》第 13(a) 条规定的、遵守任何新修订财务会计准则的延长过渡期。 \n

\n 根据该法第 12(b) 条注册的证券：\n

各类别名称	交易代码	上市交易所名称
普通股，无面值	OVBC	纳斯达克股票市场有限责任公司

\n \n \n \n

\n 第 2 节 – 财务信息
\n

\n \n \n \n

\n 第 2.02 项经营业绩和财务状况

俄亥俄州加利波利斯——Ohio Valley Banc Corp. [纳斯达克：OVBC]（“公司”）报告称，截至 2026 年 9 月 30 日的季度合并净利润为 3,295,000 美元，较上年同期增加 265,000 美元，增幅为 8.7%。2026 年第三季度每股收益为 0.70 美元，而上年第三季度为 0.64 美元。截至 2026 年 9 月 30 日的九个月，净利润总计 10,519,000 美元，较上年同期减少 1,127,000 美元，降幅为 9.7%。2026 年前九个月每股收益为 2.23 美元，而 2025 年前九个月为 2.47 美元。2026 年前九个月平均资产回报率和平均股本回报率分别为 0.85% 和 8.14%，而上年同期分别为 1.03% 和 9.95%。

Ohio Valley Banc Corp. 首席执行官 Larry Miller 表示：“尽管今年迄今的业绩未达预期，但主要原因是少数商业信贷相关的亏损。我们的核心业务实力令我们备受鼓舞，包括贷款持续增长和利润率稳定。随着资金成本仍处于高位，我们专注于严谨执行，并有信心克服这些挑战，为股东创造长期价值。”

截至 2026 年 9 月 30 日的三个月，净利息收入增加了 $1,271,000；截至 2026 年 9 月 30 日的九个月，净利息收入较上年同期增加了 $3,882,000。这些增长与平均生息资产增加有关。截至 2026 年 9 月 30 日的三个月和九个月，平均生息资产较上年同期分别增加了 $131 million 和 $143 million，主要与平均贷款余额增长有关。截至 2026 年 9 月 30 日的九个月，平均贷款较上年同期增加了 $140 million，增长主要发生在目标商业贷款领域。平均生息资产的增长主要由面向个人和企业客户的定期存款促销产品及新增货币市场账户提供资金。截至 2026 年 9 月 30 日的九个月，定期存款和货币市场账户的平均余额较上年同期分别增加了 $125 million 和 $28 million。

2026 年第三季度净息差为 4.03%，低于 2025 年第三季度的 4.05%。截至 2026 年 9 月 30 日的九个月，净息差为 3.99%，低于上年同期的 4.03%。净息差下降是因为资金来源成本上升的速度快于生息资产收益率。比较 2026 年前九个月与 2025 年前九个月，随着收益率较高的贷款增长并在生息资产中占比提高，加上证券收益率有所改善，生息资产收益率有所提升。2025 年下半年，公司出售了 $36.9 million 的证券，所售证券收益率为 1.35%，所得款项再投资于收益率为 4.52% 的证券，这对 2026 年利息收入有所助益。2025 年前九个月的生息资产收益率包括确认购买贷款的市场折价 $817,000，而 2026 年同期未出现类似情况。与 2025 年前九个月相比，2026 年前九个月资金来源成本有所上升，这是因为资金来源结构转向成本较高的存款来源，例如上文提及通过某些促销活动吸收的定期存款和货币市场账户。这些存款促销产品用于支持贷款增长并维持适当的流动性水平。尽管净息差收窄，生息资产的额外增长仍超过了这一降幅。

截至2026年9月30日的三个月，信用损失准备费用总计为$2,825,000，较上年同期增加$1,713,000。本季度信用损失准备费用主要源于本季度迄今净核销额为$6,357,000，其中$3,284,000是将一笔依赖抵押品的汽车经销商贷款的特定拨备转为核销，另有$2,818,000与按公允价值记录一项被止赎的商业房地产资产有关。模型损失率下降部分抵消了准备金增加，下降主要与失业率和GDP预测均有所改善有关。

截至2026年9月30日的九个月，信用损失准备为$8,202,000，较上年同期增加$5,526,000。年初至今的信用损失准备费用主要源于年初至今净核销额为$6,783,000、一笔用于建造酒店的依赖抵押品贷款的特定拨备$3,278,000，以及贷款余额年初至今增加$52 million所需的额外准备金。部分抵消这些增加因素的是，某些与特定贷款组合逾期和净核销趋势改善相关的定性风险因素下降所带来的准备金减少，以及随着贷款利率调整至市场利率，借款人偿债风险敞口降低。此外，自2025年12月31日以来，失业率和GDP预测均有所改善，模型损失率因此下降。2026年9月30日，不良贷款占贷款总额的比例为1.09%，而2025年12月31日为1.40%，2025年9月30日为.42%。2026年9月30日，信用损失准备占贷款总额的比例为1.05%，而2025年12月31日为.96%，2025年9月30日为1.01%。信用损失准备占贷款总额比例上升，主要与为一笔用于建造酒店的商业房地产贷款设立特定拨备有关。

截至2026年9月30日的三个月和九个月，非利息收入较上年同期分别增加1,339,000美元和1,319,000美元。季度非利息收入增加主要是由于2025年出售债务证券的亏损减少了1,219,000美元。2025年第三季度，公司出售了1,100万美元证券，这些证券的收益率为1.32%，亏损为1,219,000美元。所得款项再投资于收益率为4.37%的证券。截至2026年9月30日的九个月，由于根据Visa C类普通股的转换权以及Visa A类普通股的价格，将Visa C类普通股按公允价值入账，因此确认了395,000美元的股权证券收益。2026年第二季度，公司参与了Visa Inc.发起的交换要约，将954股Visa B-1股交回，以换取Visa B-3股和C类普通股的组合。借记卡和信用卡的交换收入也推动了非利息收入增长；截至2026年9月30日的三个月和九个月，该收入较2025年同期分别增加29,000美元和185,000美元。最后，截至2026年9月30日的九个月，银行自有人寿保险收入增加146,000美元，这是由于收到人寿保险赔付；电子退税支票及存款手续费减少676,000美元，这是由于与第三方签订的税务处理协议到期，与2025年同期相比所致。

截至2026年9月30日的三个月，非利息支出总计12,093,000美元，较上年同期增加604,000美元。截至2026年9月30日的九个月，非利息支出总计34,639,000美元，较上年同期增加1,283,000美元，增幅为3.8%。公司最大的非利息支出项目——薪酬及员工福利——较2025年第三季度增加292,000美元，较2025年前九个月增加986,000美元。增加主要与年度绩效加薪和医疗保险费有关。软件支出也推动了非利息支出增长；截至2026年9月30日的三个月和九个月，该支出较上年同期分别增加133,000美元和339,000美元。增加主要与用于改进内部流程的软件投资有关。此外，截至2026年9月30日的三个月和九个月，FDIC保险支出较上年同期分别增加87,000美元和222,000美元。这一增加与资产增长导致的评估基数提高，以及不良贷款增加相关的评估费率上调有关。部分抵消上述增长的是数据处理支出下降：与2025年同期相比，2026年第三季度减少61,000美元，2026年前九个月减少680,000美元。年初至今的减少主要是由于供应商退还了544,000美元，原因是其在特定期间提供服务时出现计费错误。

截至2026年9月30日，公司总资产为16.55亿美元，较2025年12月31日增加7300万美元，增幅为4.6%。资产增加主要源于贷款总额增加5200万美元，以及美联储存款余额增加2500万美元。截至2026年9月30日，存款总额较2025年年末增加8400万美元，主要来自定期存款和货币市场账户。截至2026年9月30日，股东权益较2025年年末减少50万美元。这主要是由于年初至今净利润为1050万美元，但现金股息支付340万美元，且其他综合收益累计额减少750万美元，抵消了这一增幅。由于2026年市场利率上升，可供出售证券的公允价值下降，进而导致其他综合收益累计额减少。

Ohio Valley Banc Corp.普通股在纳斯达克全球市场交易，股票代码为OVBC。该控股公司旗下拥有The Ohio Valley Bank Company，在俄亥俄州和西弗吉尼亚州设有19家分行；还拥有Loan Central, Inc.，在俄亥俄州设有6家消费金融办事处。了解更多关于Ohio Valley Banc Corp.的信息，请访问www.ovbc.com。

关于前瞻性信息的警示

本业绩新闻稿中的某些陈述并非历史事实陈述，构成《1995年私人证券诉讼改革法》所指的前瞻性陈述。“认为”“预计”“预期”“看来”“打算”“目标”等词语及类似表达旨在标识前瞻性陈述，但并非识别此类陈述的唯一方式。前瞻性陈述涉及风险和不确定性。由于各种因素和可能发生的事件，实际结果可能与前瞻性陈述预测的结果存在重大差异，包括：(i) 政治、经济或其他因素的变化，例如通胀率、衰退或扩张趋势、税收、联邦立法实施对税收、关税和政府支出的影响，以及世界各地持续存在的经济不确定性；(ii) 竞争压力； (iii) 利率波动；(iv) 公司发放贷款的违约率和提前还款水平；(v) 未预料到的诉讼、索赔或评估；(vi) 获取贷款资金的成本波动；(vii) 监管变化；以及 (viii) 公司不时向美国证券交易委员会提交的10-K表年度报告和10-Q表季度报告中可能描述的其他因素。前瞻性陈述仅代表其作出之日的情况，公司不承担更新任何前瞻性陈述的义务，以反映陈述作出日之后的事件或情况，或反映未预料到的事件。

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


\n \n OHIO VALLEY BANC CORP - 财务摘要（未经审计）\n \n

		\n\n\n 截至三个月\n			\n\n\n 截至九个月\n
		\n\n\n 9月30日\n			\n\n\n 9月 30日\n
		\n\n\n 2026\n			\n\n\n 2025\n			\n\n\n 2026\n			\n\n\n 2025\n
\n \n 每股数据\n \n
\n \n 每股收益\n \n	$	0.70		$	0.64		$	2.23		$	2.47
\n \n 每股股息\n \n	$	0.25		$	0.23		$	0.73		$	0.68
\n \n 每股账面价值\n \n	$	36.04		$	34.90		$	36.04		$	34.90
\n \n 股息支付率 (a)\n \n		35.74	%		35.76	%		32.69	%		27.51	%
\n \n 加权平均流通股数\n \n		4,711,001			4,711,001			4,711,001			4,711,001

\n \n 股息再投资（单位：千）\n \n
\n \n 根据以下计划再投资的股息\n \n
\n \n 员工持股计划 (b)\n \n	$	-		$	-		$	206		$	195
\n \n 根据以下计划再投资的股息\n \n
\n \n 股息再投资计划 (c)\n \n	$	326		$	327		$	970		$	1,039

\n \n 业绩比率\n \n
\n \n 平均股本回报率\n \n		7.50	%		7.44	%		8.14	%		9.95	%
\n \n 平均资产回报率\n \n		0.79	%		0.78	%		0.85	%		1.03	%
\n \n 净息差 (d)\n \n		4.30	%		4.05	%		3.99	%		4.03	%
\n \n 效率比率 (e)\n \n		63.35	%		69.70	%		61.73	%		65.52	%
\n \n 平均生息资产（单位：千）\n \n	$	1,574,471		$	1,443,534		$	1,559,916		$	1,416,815

\n \n (a) 已付股息占净收入的百分比。\n \n
\n \n (b) 股份可从 OVBC 及二级市场购买。\n \n
\n \n (c) 股份可从 OVBC 及二级市场购买。\n \n
\n \n (d) 全额税项等值净利息收入占平均生息资产的百分比。\n \n
\n \n (e) 非利息支出占全额税项等值净利息收入加非利息收入的百分比。\n \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n


\n \n OHIO VALLEY BANC CORP - 合并收益表（未经审计）\n \n
		\n\n\n 截至以下日期的三个月\n		\n\n\n 截至以下日期的九个月\n
\n \n （单位：千美元）\n \n		\n\n\n 9月30日， \n		\n\n\n 9月30日，\n
		\n\n\n 2026\n		\n\n\n 2025\n			\n\n\n 2026\n		\n\n\n 2025\n
\n \n 利息收入：\n \n
\n \n 贷款利息及手续费\n \n	$	20,471	$	18,659		$	59,873	$	53,338
\n \n 证券利息及股息\n \n		2,608		2,325			7,611		7,020
\n \n 银行计息存款利息\n \n		735		563			2,283		2,028
\n \n 利息收入总额\n \n		23,814		21,547			69,767		62,386
\n \n 利息支出：\n \n
\n \n 存款\n \n		7,467		6,442			22,031		18,563
\n \n 借款\n \n		479		508			1,582		1,551
\n \n 利息支出总额\n \n		7,946		6,950			23,613		20,114
\n \n 净利息收入\n \n		15,868		14,597			46,154		42,272
\n \n 信用损失准备金（转回）\n \n		2,825		1,112			8,202		2,676
\n \n 非利息收入：\n \n
\n \n 存款账户服务费\n \n		848		823			2,367		2,266
\n \n 信托费用\n \n		88		84			269		287
\n \n 银行自有人寿保险及年金资产收入\n \n
\n \n 年金资产\n \n		245		236			865		719
\n \n 抵押贷款业务收入\n \n		38		45			113		122
\n \n 电子退税支票/存款手续费\n \n		0		1			0		676
\n \n 借记卡/信用卡交换收入\n \n		1,446		1,417			4,030		3,845
\n \n 出售债务证券的损失\n \n		0		(1,219	)		0		(1,219	)
\n \n 股权证券未实现收益\n \n		18		0			395		0
\n \n 报税服务费\n \n		3		3			653		637
\n \n 其他\n \n		401		358			869		909
\n \n 非利息收入总额\n \n		3,087		1,748			9,561		8,242
\n \n 非利息支出：\n \n
\n \n 薪资和员工福利\n \n		6,659		6,367			19,559		18,573
\n \n 物业占用费\n \n		622		521			1,687		1,535
\n \n 家具和设备\n \n		331		346			987		1,034
\n \n 专业服务费\n \n		501		515			1,440		1,515
\n \n 营销费用\n \n		317		280			902		838
\n \n FDIC保险\n \n		266		179			748		526
\n \n 数据处理\n \n		873		934			2,148		2,828
\n \n 软件\n \n		724		591			2,058		1,719
\n \n 其他\n \n		1,800		1,756			5,110		4,788
\n \n 非利息支出总额\n \n		12,093		11,489			34,639		33,356
\n \n 所得税前收入\n \n		4,037		3,744			12,874		14,482
\n \n 所得税\n \n		742		714			2,355		2,836
\n \n 净利润\n \n	$	3,295	$	3,030		$	10,519	$	11,646

\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n
\n \n OHIO VALLEY BANC CORP - 合并资产负债表（未经审计）\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n
\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n
\n \n （单位：千美元，股份数据除外）\n \n	\n \n	\n \n	\n \n	\n \n 9月30日\n \n	\n \n	\n \n	\n \n	\n \n 12月31日\n \n	\n \n
\n \n	\n \n	\n \n	\n \n	\n \n 2026\n \n	\n \n	\n \n	\n \n	\n \n 2025\n \n	\n \n
\n \n 资产\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n
\n \n 银行现金及无息存款\n \n	\n \n	\n	\n \n $\n \n	\n \n 14,687\n \n	\n \n	\n	\n \n $\n \n	\n \n 14,845\n \n	\n \n
\n \n 银行计息存款\n \n	\n \n	\n \n	\n \n	\n \n 55,348\n \n	\n \n	\n \n	\n \n	\n \n 31,052\n \n	\n \n
\n \n 现金及现金等价物总额\n \n	\n \n	\n \n	\n \n	\n \n 70,035\n \n	\n \n	\n \n	\n \n	\n \n 45,897\n \n	\n \n
\n \n 可供出售债务证券\n \n	\n \n	\n \n	\n \n	\n \n 245,733\n \n	\n \n	\n \n	\n \n	\n \n 253,906\n \n	\n \n
\n \n 持有至到期债务证券，扣除2026年和2025年信贷损失准备金1美元\n \n	\n \n	\n \n	\n \n	\n \n 5,388\n \n	\n \n	\n \n	\n \n	\n \n 5,452\n \n	\n \n
\n \n 权益证券\n \n	\n \n	\n \n	\n \n	\n \n 394\n \n	\n \n	\n \n	\n \n	\n \n 0\n \n	\n \n
\n \n 银行股限制性投资\n \n	\n \n	\n \n	\n \n	\n \n 5,147\n \n	\n \n	\n \n	\n \n	\n \n 5,258\n \n	\n \n
\n \n 贷款总额\n \n	\n \n	\n \n	\n \n	\n \n 1,247,856\n \n	\n \n	\n \n	\n \n	\n \n 1,196,018\n \n	\n \n
\n \n 减：信贷损失准备金\n \n	\n \n	\n \n	\n \n	\n \n (13,096\n \n	\n \n ) \n \n	\n \n	\n \n	\n \n (11,519\n \n	\n \n ) \n \n
\n \n 贷款净额\n \n	\n \n	\n \n	\n \n	\n \n 1,234,760\n \n	\n \n	\n \n	\n \n	\n \n 1,184,499\n \n	\n \n
\n \n 房产及设备净额\n \n	\n \n	\n \n	\n \n	\n \n 21,359\n \n	\n \n	\n \n	\n \n	\n \n 20,509\n \n	\n \n
\n \n 持有待售房产及设备净额\n \n	\n \n	\n \n	\n \n	\n \n 0\n \n	\n \n	\n \n	\n \n	\n \n 400\n \n	\n \n
\n \n 应计应收利息\n \n	\n \n	\n \n	\n \n	\n \n 5,664\n \n	\n \n	\n \n	\n \n	\n \n 5,476\n \n	\n \n
\n \n 商誉\n \n	\n \n	\n \n	\n \n	\n \n 7,319\n \n	\n \n	\n \n	\n \n	\n \n 7,319\n \n	\n \n
\n \n 银行自有人寿保险及年金资产\n \n	\n \n	\n \n	\n \n	\n \n 43,148\n \n	\n \n	\n \n	\n \n	\n \n 43,305\n \n	\n \n
\n \n 经营租赁使用权资产净额\n \n	\n \n	\n \n	\n \n	\n \n 1,345\n \n	\n \n	\n \n	\n \n	\n \n 923\n \n	\n \n
\n \n 递延所得税资产\n \n	\n \n	\n \n	\n \n	\n \n 8,755\n \n	\n \n	\n \n	\n \n	\n \n 5,621\n \n	\n \n
\n \n 其他资产\n \n	\n \n	\n \n	\n \n	\n \n 6,304\n \n	\n \n	\n \n	\n \n	\n \n 4,089\n \n	\n \n
\n \n 资产总额\n \n	\n \n	\n \n	\n \n $\n \n	\n \n 1,655,351\n \n	\n \n	\n \n	\n \n $\n \n	\n \n 1,582,654\n \n	\n \n
\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n
\n \n 负债\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n
\n \n 无息存款\n \n	\n \n	\n \n	\n \n $\n \n	\n \n 311,960\n \n	\n \n	\n \n	\n \n $\n \n	\n \n 314,131\n \n	\n \n
\n \n 计息存款\n \n	\n \n	\n \n	\n \n	\n \n 1,101,555\n \n	\n \n	\n \n	\n \n	\n \n 1,015,536\n \n	\n \n
\n \n 存款总额\n \n	\n \n	\n \n	\n \n	\n \n 1,413,515\n \n	\n \n	\n \n	\n \n	\n \n 1,329,667\n \n	\n \n
\n \n 其他借入资金\n \n	\n \n	\n \n	\n \n	\n \n 31,524\n \n	\n \n	\n \n	\n \n	\n \n 44,848\n \n	\n \n
\n \n 次级债券\n \n	\n \n	\n \n	\n \n	\n \n 8,500\n \n	\n \n	\n \n	\n \n	\n \n 8,500\n \n	\n \n
\n \n 经营租赁负债\n \n	\n \n	\n \n	\n \n	\n \n 1,345\n \n	\n \n	\n \n	\n \n	\n \n 923\n \n	\n \n
\n \n 资产负债表外承诺信贷损失准备金\n \n	\n \n	\n \n	\n \n	\n \n 713\n \n	\n \n	\n \n	\n \n	\n \n 871\n \n	\n \n
\n \n 其他负债\n \n	\n \n	\n \n	\n \n	\n \n 29,953\n \n	\n \n	\n \n	\n \n	\n \n 27,588\n \n	\n \n
\n \n 负债总额\n \n	\n \n	\n \n	\n \n	\n \n 1,485,550\n \n	\n \n	\n \n	\n \n	\n \n 1,412,397\n \n	\n \n
\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n
\n \n 股东权益\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n
\n \n 普通股（每股标定价值1.00美元，授权发行10,000,000股；\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n	\n \n
\n \n 已发行5,490,995股）\n \n	\n \n	\n \n	\n \n	\n \n 5,491\n \n	\n \n	\n \n	\n \n	\n \n 5,491\n \n	\n \n
\n \n 额外实收资本\n \n	\n \n	\n \n	\n \n	\n \n 52,321\n \n	\n \n	\n \n	\n \n	\n \n 52,321\n \n	\n \n
\n \n 留存收益\n \n	\n \n	\n \n	\n \n	\n \n 140,087\n \n	\n \n	\n \n	\n \n	\n \n 133,007\n \n	\n \n
\n \n 累计其他综合收益（亏损）\n \n	\n \n	\n \n	\n \n	\n \n (9,405\n \n	\n \n ) \n \n	\n \n	\n \n	\n \n (1,869\n \n	\n \n ) \n \n
\n \n 库存股，按成本计（779,994股）\n \n	\n \n	\n \n	\n \n	\n \n (18,693\n \n	\n \n ) \n \n	\n \n	\n \n	\n \n (18,693\n \n	\n \n ) \n \n
\n \n 股东权益总额\n \n	\n \n	\n \n	\n \n	\n \n 169,801\n \n	\n \n	\n \n	\n \n	\n \n 170,257\n \n	\n \n
\n \n 负债及股东权益总额\n \n	\n \n	\n \n	\n \n $\n \n	\n \n 1,655,351\n \n	\n \n	\n \n	\n \n $\n \n	\n \n 1,582,654\n \n	\n \n

签名\n

\n 根据《1934年证券交易法》的要求，注册人已正式授权下述签署人代表其签署本报告。\n

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

\n OHIO VALLEY BANC CORP.\n

\n \n

\n 日期：2026年10月27日

\n \n

\n 签署人：\n

/s/Larry E. Miller, II

\n Larry E. Miller, II\n

首席执行官\n

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