Ohio Valley Banc Corp. (OVBC): Business Model Canvas

Die im Herzen von Ohio und West Virginia gelegene Ohio Valley Banc Corp (OVBC) ist ein dynamisches Finanzinstitut, das traditionelles Community Banking meisterhaft mit innovativen digitalen Strategien verbindet. Durch die Entwicklung eines einzigartigen Geschäftsmodells, das lokale Beziehungen, personalisierten Service und technologischen Fortschritt in den Vordergrund stellt, hat sich OVBC als strategischer Finanzpartner für Unternehmen und Privatpersonen in seiner gesamten regionalen Präsenz positioniert. Diese umfassende Untersuchung des Business Model Canvas wird zeigen, wie diese Regionalbank komplexe Finanzökosysteme in maßgeschneiderte, reaktionsfähige Bankerlebnisse umwandelt, die das Wirtschaftswachstum und die Kundenzufriedenheit fördern.

Ohio Valley Banc Corp. (OVBC) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und gewerbliche Kunden in Ohio und West Virginia

Ohio Valley Banc Corp. unterhält strategische Partnerschaften mit lokalen Unternehmen in ganz Ohio und West Virginia. Im Jahr 2023 betreut die Bank in diesen Regionen rund 2.500 Gewerbekunden.

Kategorie „Partnerschaft“.	Anzahl der Partnerschaften	Geografische Abdeckung
Lokale Kleinunternehmen	1,200	Ohio Valley-Region
Mittelständische Handelsunternehmen	850	Ohio und West Virginia
Kunden aus dem Agrarsektor	450	Ländliche Grafschaften Ohio und West Virginia

Regionale Finanzdienstleister und Technologieanbieter

OVBC arbeitet mit mehreren Technologie- und Finanzdienstleistungspartnern zusammen, um die betriebliche Effizienz zu steigern.

• Jack Henry & Associates – Anbieter von Kernbankentechnologie
• FIS Global – Lösungen zur Zahlungsabwicklung
• Fiserv – Digitale Banking-Plattformen
• Microsoft Azure – Cloud-Infrastrukturdienste

Zusammenarbeit zwischen Gemeinschaftsbanken und Kreditgenossenschaften

Die Bank unterhält Kooperationsbeziehungen mit regionalen Finanzinstituten für Shared Services und den Netzwerkausbau.

Art der Zusammenarbeit	Anzahl der Partnerinstitutionen	Geteilte Dienste
Gemeinsame Geldautomatennetzwerke	12	Transaktionsverarbeitung
Darlehensbeteiligung	8	Kommerzielle Kreditvergabe
Technologieaustausch	5	Digitale Banking-Plattformen

Versicherungsunternehmen und Hypothekendarlehenspartner

OVBC unterhält strategische Partnerschaften mit Versicherungs- und Hypothekendarlehensorganisationen, um umfassende Finanzdienstleistungen anzubieten.

• Landesweite Versicherung – Hypotheken- und Sachversicherungspartnerschaften
• Rocket Mortgage – Zusammenarbeit bei der Vergabe von Wohnimmobilienkrediten
• Lokale Versicherungsagenturen in Ohio und West Virginia

Gesamtes Partnerschaftsökosystem: 25–30 strategische Partnerschaften in verschiedenen Finanzdienstleistungsbereichen

Ohio Valley Banc Corp. (OVBC) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Im vierten Quartal 2023 meldete die Ohio Valley Banc Corp. ein Gesamtvermögen von 1,45 Milliarden US-Dollar. Die Bank bietet Bankdienstleistungen in 35 Full-Service-Filialen in Ohio und West Virginia an.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliches Kreditportfolio	687,3 Millionen US-Dollar
Persönliche Bankkonten	42.156 Konten
Gesamteinzahlungsbasis	1,29 Milliarden US-Dollar

Kreditvergabe und Underwriting

Die Bank hat verarbeitet 276,4 Millionen US-Dollar an neuen Kreditvergaben im Jahr 2023.

• Gewerbliche Immobilienkredite: 142,6 Millionen US-Dollar
• Agrarkredite: 53,2 Millionen US-Dollar
• Verbraucherkredite: 80,6 Millionen US-Dollar

Einlagen- und Anlageproduktmanagement

Produkttyp	Gesamtwert
Girokonten	456,7 Millionen US-Dollar
Sparkonten	312,5 Millionen US-Dollar
Einlagenzertifikat	214,3 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Digitale Banktransaktionen stiegen um 37,2 % im Jahr 2023, wobei Mobile-Banking-Nutzer 28.764 aktive Nutzer erreichten.

Risikomanagement und Compliance-Überwachung

• Compliance-Mitarbeiter: 22 Vollzeitmitarbeiter
• Jährliches Compliance-Budget: 3,1 Millionen US-Dollar
• Ergebnis der behördlichen Prüfung: 1,5 (Einstufung als niedriges Risiko)

Ohio Valley Banc Corp. (OVBC) – Geschäftsmodell: Schlüsselressourcen

Netzwerk von Bankfilialen

Ab 2023 ist Ohio Valley Banc Corp. tätig 27 Bankstandorte in ganz Ohio und West Virginia. Die geografische Verteilung umfasst:

Staat	Anzahl der Filialen
Ohio	23
West Virginia	4

Finanzmanagement-Team

Das Führungsteam besteht aus 7 leitende Angestellte mit einer durchschnittlichen Bankerfahrung von 22 Jahren.

• CEO: Randy Montgomery
• Finanzvorstand: David Tripp
• Chief Operating Officer: Terry Lively

Digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen ab 2023:

Technologieinvestitionen	Betrag
Jährliches IT-Budget	3,2 Millionen US-Dollar
Upgrade der digitalen Banking-Plattform	1,5 Millionen Dollar

Kapitalreserven und Finanzstabilität

Finanzkennzahlen für 2023:

Finanzkennzahl	Betrag
Gesamtvermögen	1,98 Milliarden US-Dollar
Kernkapitalquote	13.6%
Gesamteigenkapital	226,4 Millionen US-Dollar

Kundenbeziehungsmanagementsysteme

Details zum CRM-System:

• Plattform: Salesforce Financial Services Cloud
• Größe der Kundendatenbank: 87.500 aktive Konten
• Jährliche Ausgaben für CRM-Technologie: 450.000 US-Dollar

Ohio Valley Banc Corp. (OVBC) – Geschäftsmodell: Wertversprechen

Personalisiertes Community-Banking-Erlebnis

Ab dem vierten Quartal 2023 bedient Ohio Valley Banc Corp. 23 Bankstandorte in Ohio und West Virginia. Die Gesamtaktiva belaufen sich auf 2,34 Milliarden US-Dollar mit einem lokalen Kundenstamm von etwa 45.000 Privatpersonen und Unternehmen.

Bankkennzahlen	Daten für 2023
Gesamtzahl der Bankstandorte	23
Gesamtvermögen	2,34 Milliarden US-Dollar
Kundenstamm	45,000

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

OVBC bietet wettbewerbsfähige Zinssätze für mehrere Finanzprodukte:

• Persönliche Sparsätze: 3,25 % – 4,75 %
• Hypothekarkreditzinsen: 6,25 % – 7,50 %
• Geschäftskreditzinsen: 5,75 % – 8,25 %
• Zinssätze für Einlagenzertifikate: 4,00 % – 5,25 %

Lokale Entscheidungsfindung und schnelle Kreditbearbeitung

Durchschnittliche Kreditgenehmigungszeit: 3–5 Werktage. Der örtliche Kreditentscheidungsausschuss bearbeitet 92 % der Kreditanträge in der Region.

Umfassende Finanzdienstleistungen

Servicekategorie	Produktangebote
Persönliches Banking	12 Kontotypen
Geschäftsbanking	8 spezialisierte Geschäftskontolösungen
Digitales Banking	Mobile App, Online-Banking, Integration digitaler Geldbörsen

Engagement für die lokale Wirtschaftsentwicklung

Im Jahr 2023 stellte OVBC Kleinunternehmenskrediten in Höhe von 87,4 Millionen US-Dollar für lokale Unternehmen bereit und unterstützte damit 342 regionale Unternehmen.

• Kreditportfolio für lokale Unternehmen: 87,4 Millionen US-Dollar
• Unterstützte Unternehmen: 342
• Community-Reinvestitionsbewertung: Hervorragend

Ohio Valley Banc Corp. (OVBC) – Geschäftsmodell: Kundenbeziehungen

Persönliche Interaktionen an lokalen Zweigstellen

Ohio Valley Banc Corp. betreibt ab 2023 25 Bankfilialen in ganz Ohio und bietet direkten persönlichen Kundenservice. Die Standorte konzentrieren sich hauptsächlich auf den Südosten von Ohio.

Zweigtyp	Anzahl der Standorte	Abgedeckte Staaten
Full-Service-Filialen	25	Ohio

Engagierte Relationship-Banking-Manager

OVBC bietet personalisiertes Bankbeziehungsmanagement für gewerbliche und private Kunden.

• Geschäftskundenbetreuer, die Geschäftskonten zugeordnet sind
• Persönliche Bankvertreter für vermögende Privatpersonen
• Spezialisierte Kreditbeziehungsteams

Online- und Mobile-Banking-Plattformen

Zu den digitalen Bankdienstleistungen gehören umfassende Online- und Mobile-Banking-Lösungen.

Digitaler Service	Funktionen
Mobile-Banking-App	Kontoverwaltung, mobile Scheckeinzahlung, Rechnungszahlung
Online-Banking-Portal	Transaktionsverlauf, Geldtransfers, Zugriff auf Kontoauszüge

Persönlicher Kundenservice

OVBC berichtete über Kundendienstkennzahlen, die sich auf beziehungsorientierte Interaktionen konzentrieren.

• Durchschnittliche Kundenbindungsrate: 87,5 %
• Kundenzufriedenheitswert: 4,3/5
• Durchschnittliche Kundeninteraktionshäufigkeit: 12 Mal pro Jahr

Community-Engagement- und Unterstützungsprogramme

Die Einbindung der lokalen Gemeinschaft ist ein zentraler Bestandteil der Kundenbeziehungsstrategie von OVBC.

Gemeinschaftsprogramm	Jährliche Investition
Lokale Sponsorings	$175,000
Zuschüsse für die Gemeindeentwicklung	$250,000

Ohio Valley Banc Corp. (OVBC) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2024 betreibt die Ohio Valley Banc Corp. 26 Bankfilialen an den folgenden Standorten:

• Grafschaften Ohio: Belmont, Guernsey, Jefferson, Monroe
• Grafschaften West Virginia: Marshall, Wetzel

Staat	Gesamtzahl der Filialen	Landkreise bedient
Ohio	22	4 Landkreise
West Virginia	4	2 Landkreise

Online-Banking-Website

Die Online-Banking-Plattform von OVBC bietet digitale Dienste mit folgenden Funktionen:

• Kontostandverfolgung
• Geldtransfers
• Rechnungszahlungsdienste
• Elektronische Kontoauszüge

Mobile-Banking-Anwendung

Mobile-Banking-App für iOS- und Android-Plattformen verfügbar mit:

• Mobile Scheckeinzahlung
• Transaktionswarnungen in Echtzeit
• Kontoverwaltungstools

Telefon-Banking-Dienste

Telefonischer Kundendienst rund um die Uhr unter 1-800-837-7179

ATM-Netzwerk

Geldautomatentyp	Gesamtzahl	Netzwerkzugehörigkeit
Eigene Geldautomaten	26	Abgestimmt auf Filialstandorte
Gemeinsam genutzte Netzwerk-Geldautomaten	50+	Allpoint-Netzwerk

Ohio Valley Banc Corp. (OVBC) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere lokale Unternehmen

Im vierten Quartal 2023 betreut Ohio Valley Banc Corp. etwa 1.200 lokale Geschäftskunden in Ohio und West Virginia. Gesamtportfolio an gewerblichen Krediten: 247,3 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	425	$185,000
Herstellung	276	$312,500
Dienstleistungsbranchen	499	$142,750

Privatkunden im Privatkundengeschäft

Gesamtzahl der Privatkunden im Privatkundengeschäft: 36.750 zum 31. Dezember 2023.

• Persönliche Girokonten: 22.100
• Persönliche Sparkonten: 18.450
• Privatkreditkunden: 7.300

Kunden aus dem Agrarsektor

Agrarkreditportfolio: 89,6 Millionen US-Dollar im Jahr 2023.

Agrarsegment	Anzahl der Kunden	Durchschnittlicher Kreditbetrag
Pflanzenbau	215	$275,000
Viehhaltung	87	$412,500
Gemischte Landwirtschaft	143	$225,000

Kommunalverwaltung und kommunale Körperschaften

Kommunale Bankkunden: 42 Kommunalverwaltungen.

• Gesamtportfolio der kommunalen Banken: 63,4 Millionen US-Dollar
• Durchschnittlicher kommunaler Kundenbeziehungswert: 1,51 Millionen US-Dollar

Vermögende Privatpersonen

Segment der vermögenden Kunden: 685 Kunden.

Vermögensklasse	Anzahl der Kunden	Durchschnittlich verwaltetes Vermögen
1 Mio. $ – 5 Mio. $	462	2,3 Millionen US-Dollar
5 bis 10 Millionen US-Dollar	156	6,7 Millionen US-Dollar
10 Mio. USD+	67	15,4 Millionen US-Dollar

Ohio Valley Banc Corp. (OVBC) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

In den Finanzberichten für das Jahr 2023 meldete die Ohio Valley Banc Corp. jährliche Gesamtkosten für den Filialbetrieb in Höhe von 8,2 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten ($)
Anlagenwartung	2,450,000
Dienstprogramme	1,350,000
Miete und Belegung	3,200,000
Filialsicherheit	1,200,000

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter belief sich im Jahr 2023 auf 22,7 Millionen US-Dollar.

• Grundgehälter: 16,5 Millionen US-Dollar
• Krankenversicherung: 3,2 Millionen US-Dollar
• Altersvorsorge: 2,1 Millionen US-Dollar
• Leistungsprämien: 900.000 $

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 5,6 Millionen US-Dollar.

Technologieaufwand	Jährliche Kosten ($)
Wartung von IT-Systemen	2,800,000
Cybersicherheit	1,500,000
Softwarelizenzierung	850,000
Hardware-Upgrades	450,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 3,9 Millionen US-Dollar.

• Personal für Recht und Compliance: 2,1 Millionen US-Dollar
• Prüfung und Berichterstattung: 1.200.000 US-Dollar
• Zulassungsgebühren: 600.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 erreichten 1,5 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben ($)
Digitales Marketing	650,000
Printwerbung	350,000
Gemeinschaftspatenschaften	250,000
Kundengewinnungsprogramme	250,000

Ohio Valley Banc Corp. (OVBC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Für das Geschäftsjahr 2023 meldete Ohio Valley Banc Corp. einen Gesamtzinsertrag von 41,17 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo	Zinserträge
Gewerbliche Kredite	309,4 Millionen US-Dollar	18,6 Millionen US-Dollar
Hypothekendarlehen für Wohnimmobilien	252,7 Millionen US-Dollar	14,3 Millionen US-Dollar
Verbraucherkredite	87,5 Millionen US-Dollar	8,27 Millionen US-Dollar

Servicegebühren und Gebühren

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 5,62 Millionen US-Dollar, mit folgender Gebührenaufteilung:

• Kontoführungsgebühren: 2,1 Millionen US-Dollar
• Überziehungsgebühren: 1,47 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 0,85 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 1,2 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Die Einnahmen aus Wertpapierdienstleistungen beliefen sich im Jahr 2023 auf 3,45 Millionen US-Dollar und setzten sich zusammen aus:

Servicekategorie	Einnahmen
Vermögensverwaltung	1,8 Millionen US-Dollar
Finanzplanung	0,95 Millionen US-Dollar
Anlageberatung	0,7 Millionen US-Dollar

Einnahmen aus Hypothekendarlehen

Hypothekendarlehen generierten im Jahr 2023 einen Umsatz von 7,23 Millionen US-Dollar:

• Gebühren für die Vergabe von Wohnhypotheken: 4,1 Millionen US-Dollar
• Gebühren für die Hypothekenverwaltung: 2,35 Millionen US-Dollar
• Hypothekenverkäufe auf dem Sekundärmarkt: 0,78 Millionen US-Dollar

Treasury-Management-Dienstleistungen

Treasury-Management-Dienste trugen im Jahr 2023 2,14 Millionen US-Dollar zum Umsatz bei:

Servicetyp	Einnahmen
Cash-Management-Dienstleistungen	1,2 Millionen US-Dollar
Zahlungsabwicklung	0,64 Millionen US-Dollar
Händlerdienste	0,3 Millionen US-Dollar

Ohio Valley Banc Corp. (OVBC) - Canvas Business Model: Value Propositions

You're looking at the core value Ohio Valley Banc Corp. (OVBC) delivers to its customers and investors as of late 2025. It's all about being local, specialized, and reliable. Let's break down the numbers behind those promises.

Local, Community-Focused Banking with Personalized Service

Ohio Valley Banc Corp. (OVBC) anchors its value proposition in deep local ties, operating through The Ohio Valley Bank Company, which maintains a physical presence across its service area. This local footprint supports the personalized service model you expect from a community bank.

• Ohio Valley Bank operates a network of 17 offices across southern Ohio and western West Virginia.
• The bank emphasizes a Community First mission, which translates into local decision-making for its client base.

Here's a snapshot of the operational metrics that underpin this local focus, showing the scale of the banking segment:

Metric (Banking Segment)	Value (Approx. Late 2025)
P/E Ratio	12.76
Return on Equity (ROE)	12.13%

Specialized Lending for Commercial Real Estate and Residential Mortgages

A key differentiator for Ohio Valley Banc Corp. (OVBC) is its focus on specific lending niches within its Banking segment, moving beyond generic consumer loans. They concentrate on property-backed lending, which requires local expertise.

While the exact 2025 year-end breakdown isn't immediately public, the bank historically provides various residential real estate loans, including one-to-four-family residential mortgages, alongside commercial loans secured by commercial real estate and rental property. This specialization is a core offering alongside consumer loans secured by automobiles.

Competitive Deposit Products, Like the Sweet Home Ohio Account

Ohio Valley Banc Corp. (OVBC) offers a range of deposit products, but the Sweet Home Ohio account stands out as a specific, time-sensitive value add tied to a state initiative. This account is designed to encourage local savings for home purchases.

• The Sweet Home Ohio account is part of the Ohio State Treasurer Robert Sprague's Ohio Homebuyers Plus program.
• Minimum initial deposit requirement is $100.
• Maximum deposit allowed is $100,000.
• The state limits each participating bank, including Ohio Valley Bank, to opening only one thousand of these accounts.

The bank also offers standard competitive products like checking, savings, money market accounts, and Certificates of Deposit (CDs) with terms ranging from 30 days to 5 years.

Financial Literacy Tools for Families via the Greenlight Partnership

To serve the next generation, Ohio Valley Banc Corp. (OVBC) partnered with Greenlight, providing a digital toolset for family finance management and education. This is a direct value-add for existing customers.

• OVB customers receive free access to the Greenlight SELECT plan when they connect their OVB account as the funding source.
• The offering includes a debit card and app that teaches kids and teens how to earn, save, give, and spend wisely under parental supervision.
• The program features Greenlight Level Up™, an in-app financial literacy game.
• The free access promotion is scheduled to run until November 23, 2026.

Stability and Consistent Dividend Payments for 32 Consecutive Years

For the investor segment of the Business Model Canvas, Ohio Valley Banc Corp. (OVBC) emphasizes a long history of returning capital, signaling stability. You can see this commitment reflected in the recent dividend actions for 2025.

The company has a stated track record of 32 consecutive years of consistent dividend payments. The recent quarterly dividend rate reflects an increase announced in April 2025.

2025 Dividend Event	Amount per Share	Ex-Dividend Date
Q4 Declaration (Latest)	$0.2300	October 31, 2025
Q3 Declaration	$0.23	July 25, 2025
Q2 Declaration	$0.23	April 25, 2025
Q1 Declaration	$0.22	January 24, 2025

The Trailing Twelve Months (TTM) dividend payout as of December 04, 2025, stands at $0.92 per share, with a forward dividend yield noted around 2.38% to 2.39%. Finance: draft 13-week cash view by Friday.

Ohio Valley Banc Corp. (OVBC) - Canvas Business Model: Customer Relationships

You're looking at how Ohio Valley Banc Corp. (OVBC) keeps its customers close, which is key for a community bank. Their approach blends old-school, personal service with the digital tools people expect today. It's definitely about making sure local businesses and individuals feel seen.

Dedicated relationship management for commercial and business clients

For your commercial and business clients, OVBC doesn't just offer accounts; they offer specific financing tools that require a back-and-forth relationship. This isn't just about processing transactions; it's about structuring deals. Commercial customers get access to services like treasury management, equipment financing, and Small Business Administration (SBA) loan programs. This level of service requires dedicated relationship managers who understand the local business landscape.

• Business checking is available.
• Commercial real estate lending is a core offering.
• SBA loan programs support local enterprise.

High-touch, in-person service at 17 branch locations

The physical footprint is central to their high-touch model. Ohio Valley Banc Corp. maintains a network of 17 offices across Ohio and West Virginia. That number represents the physical touchpoints where local staff can make quick, local decisions on loans, which is a major differentiator from larger, centralized banks. Honestly, having that local presence is what builds the deep, long-term trust that keeps deposits stable.

Here's a quick look at some financial context as of late 2025, which underpins the stability customers rely on:

Metric	Value as of Late 2025	Date Reference
Total Consolidated Assets	$1.513 billion	March 31, 2025
Trailing 12-Month Revenue	$67.5M	September 30, 2025
Q1 2025 Return on Average Assets (ROAA)	1.20%	Q1 2025
Stock Price	$35.75	November 13, 2025

Automated self-service via mobile and online banking platforms

To be fair, even a community bank needs to keep up with technology. OVBC supports its relationship model with digital tools that handle the routine stuff so staff can focus on complex needs. Their digital banking platforms allow for features like mobile deposits and real-time account monitoring. This blend means you get convenience when you need speed, and a person when you need advice.

• Mobile deposits are supported.
• Online account opening is an available feature.
• Real-time account monitoring is offered.

Community-First mission fostering long-term local trust

The entire relationship strategy is anchored by their stated mission: Community First! This isn't just a slogan; it drives their engagement. They support this commitment through initiatives like financial literacy programs and local involvement, which fosters a level of local trust that is hard to quantify but essential for retention. If onboarding takes 14+ days, churn risk rises, but local decisions help mitigate that.

The commitment to the community is reflected in their performance metrics, showing the bank is healthy enough to support local economic goals. For example, their Q1 2025 net income was $4,406,000, showing profitability that supports local investment.

Finance: draft 13-week cash view by Friday.

Ohio Valley Banc Corp. (OVBC) - Canvas Business Model: Channels

You're looking at how Ohio Valley Banc Corp. (OVBC) reaches its customers, which is a mix of traditional physical presence and modern digital tools. For a regional bank, the physical footprint is still key for trust and complex transactions.

The core physical channel is the network of bank branches, supported by specialized finance offices. This structure allows Ohio Valley Banc Corp. (OVBC) to serve both general banking needs and specific consumer finance requirements across its operating area.

Channel Component	Count/Scope	Geographic Footprint
Bank Branches (The Ohio Valley Bank Company)	17 offices	Across Ohio and West Virginia
Consumer Finance Offices (Loan Central, Inc.)	6 offices	In Ohio

The digital channels are essential for convenience and efficiency, handling routine transactions and account management. Ohio Valley Banc Corp. (OVBC) has invested here, as evidenced by reported costs associated with platform enhancements.

• Digital Offerings: OVB Line, Mobile Banking, and Online Banking.
• Digital Capabilities: Support for online account opening and mobile deposits.
• Financial Context: Software expense decreased by $389,000 for the year ended December 31, 2024, compared to the prior year, though Q4 2024 saw higher costs related to digital banking platform enhancements.

Direct engagement for business clients is managed through dedicated commercial loan officers. This personal touch is critical for complex lending products, which are a significant driver of the balance sheet. You see this focus reflected in the loan growth figures reported for 2025.

Here's the quick math on the scale of the business these channels support as of late 2025:

Financial Metric	Value (as of late 2025)	Date Reference
Total Assets	$1.570 billion	September 30, 2025
Trailing 12-Month Revenue	$67.5M	As of September 30, 2025
Total Shareholders' Equity	$160.76 million	June 30, 2025
Quarter-over-Quarter Loan Growth	+$58M	Q2 2025
Stock Price	$35.75	November 13, 2025

The commercial lending focus, supported by these officers, drove loan portfolio increases in commercial real estate, commercial and industrial (C&I), and residential real estate segments. Still, consumer loans contracted as the company emphasized profitability elsewhere.

Finance: draft 13-week cash view by Friday.

Ohio Valley Banc Corp. (OVBC) - Canvas Business Model: Customer Segments

You're looking at the core groups Ohio Valley Banc Corp. (OVBC) serves, which directly shapes where they put their capital and how they attract funding. This isn't just about geography; it's about the type of financial relationship they cultivate.

Small to mid-sized businesses (Commercial Real Estate/C&I) form a critical lending base for Ohio Valley Banc Corp. (OVBC). This segment drives significant asset growth, though it also carries concentrated credit risk that management watches closely.

• Commercial Real Estate (CRE) lending remains the most important element in the loan book as of the end of the third quarter of 2025, accounting for about 30% of the total loan book.
• In Q2 2025, the CRE portfolio had grown by 18.6% year-to-date, representing 39.1% of total loans at that point.
• Construction-related CRE loans represented another 7% of the loan book at the end of Q3 2025.
• Commercial and Industrial (C&I) lending is another key growth area alongside real estate segments.

The loan portfolio composition as of the end of the third quarter of 2025 shows this focus:

Loan Category	Approximate Percentage of Total Loan Book ($1.13B)
Residential Real Estate	35%
Commercial Real Estate (CRE)	30%
Construction-related CRE	7%
Consumer Loans	Segment has been deemphasized due to profitability focus since 2024.

Local retail customers and families in Ohio/West Virginia valleys are the source of the bank's core, lower-cost funding. The bank operates with about two dozen offices focusing on southeastern Ohio and western West Virginia.

• Total deposits increased by $57 million from December 31, 2024, to September 30, 2025.
• Growth in funding sources for the first nine months of 2025 was led by NOW, money market, checking, and savings accounts, which increased by $85 million from the first nine months of 2024.
• This shift to lower-cost deposits limited the average growth in higher-cost certificates of deposit to $19 million for the first nine months of 2025 versus the same period last year.

Residential real estate borrowers seeking home loans represent a significant portion of the lending activity, though this segment has seen some fluctuation based on market conditions and internal strategy.

• Residential Real Estate loans made up about 35% of the total loan book at the end of the third quarter of 2025.
• In Q2 2025, this segment saw a decline of $12.81 million, largely due to reduced lines of credit extended to mortgage lenders.

Public sector entities, specifically through state programs, represent a unique and important source of funding for Ohio Valley Banc Corp. (OVBC).

• The amount deposited by the Ohio Treasurer at September 30, 2025, totaled $72.5 million.
• This funding is tied to the Ohio Homebuyer Plus program, for which Ohio Valley Banc Corp. developed the Sweet Home Ohio deposit account.
• At September 30, 2025, the balance of Sweet Home Ohio accounts totaled $9.0 million.
• The Treasurer deposit balance was $77 million at June 30, 2025, and $82 million at March 31, 2025.

Finance: draft a comparison table of Treasurer deposits from Q4 2024 through Q3 2025 by Friday.

Ohio Valley Banc Corp. (OVBC) - Canvas Business Model: Cost Structure

The Cost Structure for Ohio Valley Banc Corp. (OVBC) is heavily influenced by funding costs, personnel, and technology investments necessary to support its lending and operational footprint across Ohio and West Virginia.

Interest Expense on Deposits and Borrowings represents a significant portion of the total expense base, though the cost of funding sources decreased in the first half of 2025 as the mix shifted toward lower-cost deposit sources like NOW and money market accounts. Higher-cost certificates of deposit repriced to lower current market rates, limiting their average growth to only $6 million for the first half of 2025 versus the same period last year. You can see the breakdown of the total interest expense below for the first half of the year.

Expense Component	Three Months Ended June 30, 2025 (in $000's)	Six Months Ended June 30, 2025 (YTD in $000's)
Deposits	$5,988	$12,121
Borrowings	$516	$1,043
Total Interest Expense	$6,504	$13,164

Personnel costs, primarily Salaries and Employee Benefits, show structural efficiency gains. Salaries and benefits remained nearly flat year-over-year in the second quarter of 2025, reflecting realized savings from the voluntary early retirement program initiated in 2024. For context, in the first quarter of 2025, this line item had decreased by 2.5% year-over-year due to those same retirement program savings.

The Provision for Credit Losses has stepped up alongside loan growth and changes in economic modeling assumptions. For the second quarter ended June 30, 2025, the provision totaled $1,148,000. For the six months ended June 30, 2025 (YTD Q2 2025), the provision for credit losses was $1,564,000, which was driven by net charge-offs of $740,000 year-to-date and $39 million in loan growth.

Data processing and technology costs are an area of planned increase, directly tied to platform modernization. Data processing costs rose by $181,000 year-over-year in Q2 2025, and were up $299,000 year-to-date, reflecting the ongoing card platform conversion. Similarly, marketing expenses increased by $58,000 year-over-year in Q2 2025, which management linked to advertising and community support efforts.

Overall non-interest expense, which bundles personnel, technology, occupancy, and marketing, edged up only 1.7% year-over-year in Q2 2025, reaching $11 million from $10.9 million the prior year. This modest rise, despite technology spending, helped the efficiency ratio improve meaningfully to 63.09% in Q2 2025 from 73.37% in the year-ago period. You should monitor these specific overhead categories:

• Data processing cost increase (YTD Q2 2025): +$299,000.
• Marketing expense increase (Q2 2025 YoY): +$58,000.
• Occupancy and marketing are part of the total non-interest expense of $11 million for Q2 2025.
• The Q3 2025 report indicated data processing and marketing spend rose $269,000 year-over-year.

Finance: draft the full 1H 2025 Non-Interest Expense schedule by Friday.

Ohio Valley Banc Corp. (OVBC) - Canvas Business Model: Revenue Streams

You're looking at the core engine of Ohio Valley Banc Corp. (OVBC)'s financial performance, which, like most community banks, is heavily weighted toward the spread between what it earns on assets and what it pays on liabilities. This is the Net Interest Income, and it's the most important number here.

For the third quarter ending September 30, 2025, the Net Interest Income hit $14.6 million. That's a solid increase from the $12.58 million reported in the third quarter of 2024. For the first nine months of 2025, this core revenue stream totaled $42.27 million, up significantly from $35.73 million for the same period in 2024. The net interest margin (NIM) for Q3 2025 was 4.05%, showing improvement from 3.76% a year prior. Management is actively managing this, evidenced by selling $11.0 million in lower-yielding securities (1.32% yield) and reinvesting the proceeds into assets yielding 4.37%. That strategic repositioning is designed to boost future interest income.

The next major component is the revenue derived directly from the loan book. As of the 2024 fiscal year, Interest and Fee Revenue from Loans accounted for a massive 73.02% of Ohio Valley Banc Corp.'s total consolidated revenue. For context, the total consolidated revenue for 2024 was $61.97 Million USD. For the nine months ending September 30, 2024, interest and fees on loans brought in $48,074,000.

Beyond the core lending spread, Ohio Valley Banc Corp. generates Noninterest Income from service charges and fees, though this line item can be volatile due to one-time events. In Q3 2025, total noninterest income was $1.75 million, but this was depressed by a $1.22 million loss recognized on securities sales during the quarter. For the full year 2024, total noninterest income was $13,171,000. Service charges on deposit accounts and interchange income are consistent contributors here.

The Interest on securities portfolio is a key part of total interest income. For the first nine months of 2024, interest and dividends on securities contributed $4,014,000. The growth in earning assets for the first nine months of 2025 was led by a $75 million increase in average securities balances, which should translate to higher interest income in future reports.

Finally, while not a primary driver of the top line, shareholder returns are supported by Dividends from subsidiaries and other investments, though the specific breakdown is less transparent in the summary reports. You do see the commitment to shareholders through the dividend itself; the dividend declared for November 10, 2025, was $0.23 per share.

Here's a quick look at how the main income drivers stacked up:

Revenue Component	Q3 2025 Amount	Nine Months Ended Sep 30, 2024 Amount	2024 Full Year Total
Net Interest Income	$14.6 million	$35.73 million	N/A
Interest and Fees on Loans (9M)	N/A	$48,074,000	N/A
Noninterest Income (Qtr)	$1.75 million	N/A	$13,171,000
Interest/Dividends on Securities (9M)	N/A	$4.014 million	N/A

The reliance on Net Interest Income is clear, but the strategic moves in the securities portfolio suggest management is focused on improving the yield component of that income stream going into year-end 2025. The percentage of revenue from loans, 73.02% in 2024, shows where the primary value capture happens.

You can also see the direct impact of the loan book on fee revenue through these associated streams:

• Interest and Fee Revenue from Loans as percentage of 2024 Total Consolidated Revenue: 73.02%
• Service charges on deposit accounts: Increased by $114,000 in Q1 2024 versus Q1 2023.
• Interchange income: Increased in Q4 2024 over Q4 2023 due to higher transaction volume.
• Mortgage application referral income: Was zero in 2024 due to the closure of Race Day Mortgage, Inc. in late 2023.

Finance: draft 13-week cash view by Friday.