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OHIO VALLEY BANC CORP

For the period ended Dec 31, 2025. Filed Mar 13, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 13, 2026

OVBC$48.16-1.0%Stored close · as of Nov 10, 2026

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Contents

Item 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

A. (1)Financial Statements

The following consolidated financial statements of Ohio Valley appear in the 2025 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, 2025 and 2024

Consolidated Statements of Changes in Shareholders’ Equity for the years ended December 31, 2025 and 2024

Notes to the Consolidated Financial Statements

Auditor Name: Plante & Moran, PLLC

Auditor Location: Cleveland, Ohio

PCAOB Number:166

(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 34 of this Form 10-K.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.