Ohio Valley Banc Corp. (OVBC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón de Ohio y West Virginia, Ohio, Valley Banc Corp (OVBC) representa una institución financiera dinámica que combina magistralmente la banca comunitaria con estrategias digitales innovadoras. Al elaborar un modelo de negocio único que priorice las relaciones locales, el servicio personalizado y el avance tecnológico, OVBC se ha posicionado como un socio financiero estratégico para empresas e individuos en su huella regional. Esta exploración integral de lienzo de modelo de negocio revelará cómo este banco regional transforma ecosistemas financieros complejos en experiencias bancarias personalizadas y receptivas que impulsan el crecimiento económico y la satisfacción del cliente.

Ohio Valley Banc Corp. (OVBC) - Modelo de negocio: asociaciones clave

Empresas locales y clientes comerciales en Ohio y West Virginia

Ohio Valley Banc Corp. mantiene asociaciones estratégicas con empresas locales en Ohio y West Virginia. A partir de 2023, el banco atiende a aproximadamente 2,500 clientes comerciales en estas regiones.

Categoría de asociación	Número de asociaciones	Cobertura geográfica
Pequeñas empresas locales	1,200	Región del valle de Ohio
Empresas comerciales de tamaño mediano	850	Ohio y Virginia Occidental
Clientes del sector agrícola	450	Condados rurales de Ohio y Virginia Occidental

Proveedores de servicios financieros regionales y proveedores de tecnología

OVBC colabora con múltiples tecnología y socios de servicio financiero para mejorar la eficiencia operativa.

• Jack Henry & Asociados: proveedor de tecnología bancaria central
• FIS Global - Soluciones de procesamiento de pagos
• Fiserv - Plataformas de banca digital
• Microsoft Azure - Servicios de infraestructura en la nube

Bancos comunitarios y una cooperativa de crédito colaboración

El banco mantiene relaciones colaborativas con instituciones financieras regionales para servicios compartidos y expansión de la red.

Tipo de colaboración	Número de instituciones asociadas	Servicios compartidos
Redes de cajeros automáticos compartidos	12	Procesamiento de transacciones
Participación de préstamos	8	Préstamo comercial
Compartir tecnología	5	Plataformas de banca digital

Compañías de seguros y socios de préstamos hipotecarios

OVBC mantiene asociaciones estratégicas con organizaciones de préstamos hipotecarios y seguros para proporcionar servicios financieros integrales.

• Seguro a nivel nacional: asociaciones de seguro hipotecario y de propiedad
• Hipoteca Rocket - Colaboración de préstamos residenciales
• Agencias de seguros locales en Ohio y West Virginia

Ecosistema de asociación total: 25-30 asociaciones estratégicas en varios dominios de servicios financieros

Ohio Valley Banc Corp. (OVBC) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, Ohio Valley Banc Corp. reportó activos totales de $ 1.45 mil millones. El banco ofrece servicios bancarios en 35 sucursales de servicio completo en Ohio y West Virginia.

Categoría de servicio bancario	Volumen total (2023)
Cartera de préstamos comerciales	$ 687.3 millones
Cuentas bancarias personales	42,156 cuentas
Base de depósito total	$ 1.29 mil millones

Originación de préstamo y suscripción

El banco procesado $ 276.4 millones en nuevas originaciones de préstamos durante 2023.

• Préstamos inmobiliarios comerciales: $ 142.6 millones
• Préstamos agrícolas: $ 53.2 millones
• Préstamos al consumidor: $ 80.6 millones

Gestión de productos de depósito e inversión

Tipo de producto	Valor total
Cuentas corrientes	$ 456.7 millones
Cuentas de ahorro	$ 312.5 millones
Certificado de depósitos	$ 214.3 millones

Desarrollo de la plataforma de banca digital

Las transacciones bancarias digitales aumentaron por 37.2% en 2023, con usuarios de banca móvil que alcanzan 28,764 usuarios activos.

Gestión de riesgos y monitoreo de cumplimiento

• Personal de cumplimiento: 22 empleados a tiempo completo
• Presupuesto de cumplimiento anual: $ 3.1 millones
• Puntuación de examen regulatorio: 1.5 (calificación de bajo riesgo)

Ohio Valley Banc Corp. (OVBC) - Modelo de negocio: recursos clave

Red de ramas bancarias

A partir de 2023, opera Ohio Valley Banc Corp. 27 ubicaciones bancarias en Ohio y Virginia Occidental. La distribución geográfica incluye:

Estado	Número de ramas
Ohio	23
Virginia Occidental	4

Equipo de gestión financiera

El equipo de liderazgo consiste en 7 altos funcionarios ejecutivos con una experiencia bancaria promedio de 22 años.

• CEO: Randy Montgomery
• CFO: David Tripp
• Director de Operaciones: Terry Lively

Infraestructura de tecnología de banca digital

Inversiones tecnológicas a partir de 2023:

Inversión tecnológica	Cantidad
Presupuesto anual de TI	$ 3.2 millones
Actualización de la plataforma de banca digital	$ 1.5 millones

Reservas de capital y estabilidad financiera

Métricas financieras para 2023:

Métrica financiera	Cantidad
Activos totales	$ 1.98 mil millones
Relación de capital de nivel 1	13.6%
Equidad total	$ 226.4 millones

Sistemas de gestión de relaciones con el cliente

Detalles del sistema CRM:

• Plataforma: Salesforce Financial Services Cloud
• Tamaño de la base de datos del cliente: 87,500 cuentas activas
• Gasto anual de tecnología CRM: $ 450,000

Ohio Valley Banc Corp. (OVBC) - Modelo de negocio: propuestas de valor

Experiencia bancaria comunitaria personalizada

A partir del cuarto trimestre de 2023, Ohio Valley Banc Corp. sirve 23 lugares bancarios en Ohio y West Virginia. Los activos totales informaron en $ 2.34 mil millones con una base de clientes local de aproximadamente 45,000 personas y empresas.

Métricas bancarias	2023 datos
Ubicaciones bancarias totales	23
Activos totales	$ 2.34 mil millones
Base de clientes	45,000

Tasas de interés competitivas para préstamos y depósitos

OVBC ofrece tarifas competitivas en múltiples productos financieros:

• Tasas de ahorro personal: 3.25% - 4.75%
• Tasas de préstamo hipotecario: 6.25% - 7.50%
• Tasas de préstamo comercial: 5.75% - 8.25%
• Certificado de tasas de depósito: 4.00% - 5.25%

Toma de decisiones locales y procesamiento rápido de préstamos

Tiempo promedio de aprobación del préstamo: 3-5 días hábiles. El Comité de toma de decisiones de préstamos locales procesa el 92% de las solicitudes de préstamos dentro de la región.

Servicios financieros integrales

Categoría de servicio	Ofertas de productos
Banca personal	12 tipos de cuenta
Banca de negocios	8 soluciones especializadas de cuentas comerciales
Banca digital	Aplicación móvil, banca en línea, integración de billetera digital

Compromiso de desarrollo económico local

En 2023, OVBC proporcionó $ 87.4 millones en préstamos para pequeñas empresas a empresas locales, apoyando a 342 empresas regionales.

• Portafolio de préstamos comerciales locales: $ 87.4 millones
• Empresas admitidas: 342
• Calificación de reinversión comunitaria: sobresaliente

Ohio Valley Banc Corp. (OVBC) - Modelo de negocios: relaciones con los clientes

Interacciones cara a cara en ubicaciones de sucursales locales

Ohio Valley Banc Corp. opera 25 oficinas bancarias en Ohio a partir de 2023, proporcionando un servicio al cliente directo en persona. Las ubicaciones se concentran principalmente en el sureste de Ohio.

Tipo de rama	Número de ubicaciones	Estados cubiertos
Ramas de servicio completo	25	Ohio

Gerentes de banca de relaciones dedicadas

OVBC proporciona Gestión de la relación bancaria personalizada para clientes comerciales e individuales.

• Gerentes de relaciones comerciales asignados a cuentas comerciales
• Representantes bancarios personales para individuos de alto nivel de red
• Equipos de relación de préstamos especializados

Plataformas de banca en línea y móvil

Los servicios de banca digital incluyen soluciones integrales de banca en línea y móvil.

Servicio digital	Características
Aplicación de banca móvil	Gestión de cuentas, depósito de cheques móviles, pago de facturas
Portal bancario en línea	Historial de transacciones, transferencias de fondos, acceso de declaración

Servicio al cliente personalizado

OVBC informó métricas de servicio al cliente que se centraron en las interacciones basadas en relaciones.

• Tasa promedio de retención de clientes: 87.5%
• Puntuación de satisfacción del cliente: 4.3/5
• Frecuencia promedio de interacción del cliente: 12 veces al año

Programas de compromiso y apoyo de la comunidad

La participación de la comunidad local es un componente central de la estrategia de relación con el cliente de OVBC.

Programa comunitario	Inversión anual
Patrocinios locales	$175,000
Subvenciones de desarrollo comunitario	$250,000

Ohio Valley Banc Corp. (OVBC) - Modelo de negocio: canales

Red de sucursales bancarias físicas

A partir de 2024, Ohio Valley Banc Corp. opera 26 oficinas bancarias ubicadas en todo:

• Condados de Ohio: Belmont, Guernsey, Jefferson, Monroe
• Condados de Virginia Occidental: Marshall, Wetzel

Estado	Total de ramas	Condados atendidos
Ohio	22	4 condados
Virginia Occidental	4	2 condados

Sitio web de banca en línea

La plataforma bancaria en línea de OVBC proporciona a los servicios digitales las siguientes funciones:

• Seguimiento del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones electrónicas

Aplicación de banca móvil

Aplicación de banca móvil disponible para plataformas iOS y Android con:

• Depósito de cheque móvil
• Alertas de transacciones en tiempo real
• Herramientas de gestión de cuentas

Servicios de banca telefónica

Soporte telefónico de servicio al cliente 24/7 al 1-800-837-7179

Red de cajeros automáticos

Tipo de cajero automático	Recuento total	Afiliación a la red
Cajeros automáticos	26	Emparejado con ubicaciones de ramas
ATM de red compartidos	50+	Red de Allanding

Ohio Valley Banc Corp. (OVBC) - Modelo de negocio: segmentos de clientes

Empresas locales pequeñas a medianas

A partir del cuarto trimestre de 2023, Ohio Valley Banc Corp. atiende a aproximadamente 1,200 clientes comerciales locales en Ohio y West Virginia. Cartera total de préstamos comerciales: $ 247.3 millones.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	425	$185,000
Fabricación	276	$312,500
Industrias de servicios	499	$142,750

Clientes de banca minorista individual

Total de clientes de banca minorista: 36,750 al 31 de diciembre de 2023.

• Cuentas corrientes personales: 22,100
• Cuentas de ahorro personal: 18,450
• Clientes de préstamos personales: 7,300

Clientes del sector agrícola

Portafolio de préstamos agrícolas: $ 89.6 millones en 2023.

Segmento agrícola	Número de clientes	Monto promedio del préstamo
Cultivo de cultivos	215	$275,000
Agricultura de ganado	87	$412,500
Agricultura mixta	143	$225,000

Gobierno local y entidades municipales

Clientes de banca municipal: 42 entidades del gobierno local.

• Portafolio de banca municipal total: $ 63.4 millones
• Valor de relación municipal de cliente municipal promedio: $ 1.51 millones

Individuos de alto nivel de red

Segmento de clientes de alto nivel de red: 685 clientes.

Riqueza	Número de clientes	Activos promedio administrados
$ 1M - $ 5M	462	$ 2.3 millones
$ 5M - $ 10M	156	$ 6.7 millones
$ 10M+	67	$ 15.4 millones

Ohio Valley Banc Corp. (OVBC) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir de los informes financieros de 2023, Ohio Valley Banc Corp. reportó gastos de operación de sucursales totales de $ 8.2 millones anuales.

Categoría de gastos	Costo anual ($)
Mantenimiento de la instalación	2,450,000
Utilidades	1,350,000
Alquiler y ocupación	3,200,000
Seguridad de la rama	1,200,000

Salarios y beneficios de los empleados

La compensación total de los empleados para 2023 fue de $ 22.7 millones.

• Salarios base: $ 16.5 millones
• Seguro de salud: $ 3.2 millones
• Beneficios de jubilación: $ 2.1 millones
• Bonos de rendimiento: $ 900,000

Mantenimiento de la infraestructura tecnológica

Los costos de infraestructura tecnológica totalizaron $ 5.6 millones en 2023.

Gasto tecnológico	Costo anual ($)
Mantenimiento de sistemas de TI	2,800,000
Ciberseguridad	1,500,000
Licencia de software	850,000
Actualizaciones de hardware	450,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 fueron de $ 3.9 millones.

• Personal legal y de cumplimiento: $ 2.1 millones
• Auditoría e informes: $ 1,200,000
• Tarifas de presentación regulatoria: $ 600,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 alcanzaron los $ 1.5 millones.

Canal de marketing	Gasto anual ($)
Marketing digital	650,000
Publicidad impresa	350,000
Patrocinios comunitarios	250,000
Programas de adquisición de clientes	250,000

Ohio Valley Banc Corp. (OVBC) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

Para el año fiscal 2023, Ohio Valley Banc Corp. reportó ingresos por intereses totales de $ 41.17 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total	Ingresos por intereses
Préstamos comerciales	$ 309.4 millones	$ 18.6 millones
Préstamos hipotecarios residenciales	$ 252.7 millones	$ 14.3 millones
Préstamos al consumo	$ 87.5 millones	$ 8.27 millones

Cargos de servicio y tarifas

Los ingresos por cargo de servicio para 2023 totalizaron $ 5.62 millones, con el siguiente desglose de tarifas:

• Tarifas de mantenimiento de la cuenta: $ 2.1 millones
• Tarifas de sobregiro: $ 1.47 millones
• Tarifas de transacción de cajeros automáticos: $ 0.85 millones
• Otras tarifas de servicio bancario: $ 1.2 millones

Servicios de inversión y gestión de patrimonio

Los ingresos por servicios de inversión para 2023 fueron de $ 3.45 millones, que comprenden:

Categoría de servicio	Ganancia
Gestión de activos	$ 1.8 millones
Planificación financiera	$ 0.95 millones
Aviso de inversión	$ 0.7 millones

Ingresos de préstamos hipotecarios

Los préstamos hipotecarios generaron $ 7.23 millones en ingresos durante 2023:

• Tarifas de origen de la hipoteca residencial: $ 4.1 millones
• Tarifas de servicios hipotecarios: $ 2.35 millones
• Ventas de hipotecas del mercado secundario: $ 0.78 millones

Servicios de gestión del tesoro

Tesoro Management Services contribuyó con $ 2.14 millones en ingresos para 2023:

Tipo de servicio	Ganancia
Servicios de gestión de efectivo	$ 1.2 millones
Procesamiento de pagos	$ 0.64 millones
Servicios comerciales	$ 0.3 millones

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.