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Item 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

A. (1)Financial Statements

The following consolidated financial statements of Ohio Valley appear in the 2023 Annual Report to Shareholders, Exhibit 13, and are specifically incorporated herein by reference under Item 8 of this Form 10-K:

Consolidated Statements of Condition as of December 31, 2023 and 2022

Consolidated Statements of Changes in Shareholders’ Equity for the years ended December 31, 2023 and 2022

Notes to the Consolidated Financial Statements

Auditor Name: Crowe LLP

Auditor Location: Cleveland, Ohio

PCAOB Number:173

(2)Financial Statement Schedules

Financial statement schedules are omitted as they are not required or are not applicable, or the required information is included in the financial statements.

(3)Exhibits

Reference is made to the Exhibit Index beginning on page 37 of this Form 10-K.

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