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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 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Ohio Valley’s consolidated financial statements and related notes are listed below and incorporated herein by reference to Ohio Valley’s 2025 Annual Report to Shareholders. The supplementary data located under the captions “Report of Independent Registered Public Accounting Firm” located in Ohio Valley’s 2025 Annual Report to Shareholders is also incorporated herein by reference.

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

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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.