OHIO VALLEY BANC CORP
For the period ended Dec 31, 2025. Filed Mar 13, 2026.
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FY2025 · Filed Mar 13, 2026
OVBC$48.65+0.1%Stored close · as of Nov 9, 2026
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EX-13 · Table VI
Table VI
| (dollars in thousands) | ||
|---|---|---|
| 2025 | 2024 | |
| Residential real estate loans | $2,793 | $2.684 |
| Percentage of loans to total loans | 34.94% | 35.18% |
| Percentage of net charge-offs to average loans | .01% | -.01% |
| Commercial real estate loans | 5,331 | 3,653 |
| Percentage of loans to total loans | 39.30% | 35.13% |
| Percentage of net charge-offs to average loans | .00% | -.01% |
| Commercial and industrial loans | 1,738 | 1,536 |
| Percentage of loans to total loans | 13.97% | 14.92% |
| Percentage of net charge-offs to average loans | .02% | -.16% |
| Consumer loans (1) | 1,657 | 2,215 |
| Percentage of loans to total loans | 11.79% | 14.77% |
| Percentage of net charge-offs to average loans | .86% | .96% |
| Allowance for credit losses | $11,519 | $10,088 |
| Total loans percentage | 100.00% | 100.00% |
| Net charge-offs to average loans | .12% | .12% |
The above allocation is based on estimates and subjective judgments and is not necessarily indicative of the specific amounts or loan categories in which losses may ultimately occur.
(1) Includes automobile, home equity and other consumer loans.
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