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OVBC • CIK 0000894671
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $54,821 | $64,938 | $73,327 | $78,050 |
| Dividend Income, Operating | $324 | $384 | $372 | $361 |
| Interest Income (Expense), Net | $46,027 | $48,804 | $57,745 | $60,356 |
| Interest Income, Deposits with Financial Institutions | $2,870 | $4,447 | $2,462 | $2,545 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $2,090 | $2,469 | $3,054 | $6,867 |
| Interest and Dividend Income, Operating | $61,865 | $75,763 | $85,237 | $90,351 |
| Interest Income (Expense), after Provision for Loan Loss | $43,937 | $46,335 | $54,691 | $53,489 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $15,198 | $13,376 | $19,452 | $17,551 |
| Income Tax Expense (Benefit) | $2,567 | $2,377 | $3,851 | $3,342 |
| Net Income (Loss) Attributable to Parent | $12,631 | $10,999 | $15,601 | $14,209 |
| Interest Income, Securities, Operating, Taxable | $3,678 | $5,862 | $8,966 | $9,289 |
| Interest Expense, Deposits | $14,174 | $24,639 | $25,408 | $27,851 |
| Interest Income, Securities, Operating, Tax Exempt | $162 | $132 | $110 | $106 |
| Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term | $1,067 | $1,702 | $1,553 | $1,640 |
| Interest Expense, Subordinated Notes and Debentures | $597 | $618 | $531 | $504 |
| InterestExpenseOperating | — | $26,959 | $27,492 | $29,995 |
| Fees and Commissions, Mortgage Banking and Servicing | $175 | $163 | $182 | $180 |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | $-23 | $0 | $-3,747 | $-3,747 |
| Noninterest Income, Other Operating Income | $2,387 | $2,349 | $1,659 | $1,576 |
| Noninterest Income | $12,629 | $13,171 | $8,970 | $8,950 |
| Labor and Related Expense | $23,391 | $27,782 | $24,909 | $25,603 |
| Occupancy, Net | $1,903 | $1,938 | $2,017 | $2,068 |
| Equipment Expense | $1,321 | $1,300 | $1,328 | $1,296 |
| Professional Fees | $1,656 | $1,873 | $1,803 | $1,742 |
| Marketing Expense | $1,010 | $820 | $1,205 | $1,232 |
| Federal Deposit Insurance Corporation Premium Expense | $569 | $648 | $698 | $833 |
| Information Technology and Data Processing | $2,809 | $3,094 | $3,551 | $2,932 |
| Other Noninterest Expense | $6,024 | $6,403 | $6,335 | $6,613 |
| Noninterest Expense | $41,368 | $46,130 | $44,209 | $44,888 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss | $394 | $1,294 | $1,330 | $1,221 |
| Debt Securities, Available-for-sale, Allowance for Credit Loss | $0 | $0 | $0 | $0 |
| Debt Securities, Held-to-maturity, Allowance for Credit Loss | $2 | $1 | $1 | $1 |
| Debt Securities, Held-to-maturity, Credit Loss Expense (Reversal) | $-1 | $-1 | $0 | $0 |
| Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss | — | $24 | $13 | $22 |
| Financing Receivable, Accrued Interest, after Allowance for Credit Loss | — | $3,429 | $4,111 | $4,194 |
| Financing Receivable, Allowance for Credit Loss | $8,767 | $10,088 | $11,519 | $16,610 |
| Off-Balance Sheet, Credit Loss, Liability | $692 | $582 | $871 | $731 |
| Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal) | $61 | $-110 | $289 | $140 |
| Due from Banks | $113,136 | $66,599 | $30,260 | $30,260 |
| Operating Lease, Right-of-Use Asset | $1,205 | $1,024 | $923 | $1,408 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $12,631 | $10,999 | $15,601 | $14,209 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $2,090 | $2,469 | $3,054 | $6,867 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $1,067 | $0 | $33,201 | $33,201 |
| Depreciation | $1,562 | $1,676 | $1,657 | $1,657 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $25,901 | $34,741 | $132,961 | $113,564 |
| Payments to Acquire Debt Securities, Available-for-sale | $586 | $137,946 | $143,285 | $130,630 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $1,217 | $919 | $1,583 | $1,080 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $478 | $1,427 | $1,343 | $1,343 |
| Payments to Acquire Federal Home Loan Bank Stock | $969 | $80 | $251 | $251 |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | $-23 | $0 | $-3,747 | $-3,747 |
| Proceeds from Sale of Federal Home Loan Bank Stock | $1,885 | $110 | $0 | $0 |
| Proceeds from Sale of Loans Held-for-sale | $125 | $590 | $1,672 | $1,672 |
| Payments for (Proceeds from) Loans and Leases | $87,481 | $90,997 | $133,706 | $144,863 |
| Payments to Acquire Property, Plant, and Equipment | $2,689 | $1,433 | $1,037 | $3,228 |
| Amortization of Mortgage Servicing Rights (MSRs) | $53 | $52 | $47 | $47 |
| Proceeds from Sale of Property, Plant, and Equipment | $219 | $29 | $200 | $200 |
| Gain (Loss) on Sales of Loans, Net | $228 | $215 | $229 | $229 |
| Payment to Acquire Life Insurance Policy, Investing Activities | $250 | $772 | $500 | $670 |
| Amortization of Debt Discount (Premium) | $7 | $0 | $-1,648 | $-1,648 |
| Amortization of Intangible Assets | $21 | $8 | $0 | $0 |
| Net Cash Provided by (Used in) Investing Activities | $-59,787 | $-195,183 | $-110,605 | $-131,368 |
| Deferred Income Tax Expense (Benefit) | $-745 | $-1,180 | $-841 | $-841 |
| Employee Benefit and Share-based Payment Arrangement, Noncash | $125 | $500 | $0 | $0 |
| Bank Owned Life Insurance Income | $860 | $929 | $986 | $986 |
| Increase (Decrease) in Accrued Investment Income Receivable | $494 | $1,199 | $671 | $671 |
| Increase (Decrease) in Other Operating Liabilities | $5,567 | $1,891 | $-561 | $-561 |
| Increase (Decrease) in Other Operating Assets | $-1,477 | $-461 | $-242 | $-242 |
| Net Cash Provided by (Used in) Operating Activities | $20,747 | $13,097 | $18,085 | $22,942 |
| Increase (Decrease) in Deposits | $99,481 | $148,042 | $54,489 | $131,666 |
| Payments of Ordinary Dividends, Common Stock | $4,871 | $4,177 | $4,287 | $4,428 |
| Payments for Repurchase of Common Stock | $82 | $1,945 | $0 | $0 |
| Proceeds from FHLBank Borrowings, Financing Activities | $30,001 | $2 | $10,000 | $10,000 |
| Payments of FHLBank Borrowings, Financing Activities | $3,371 | $4,962 | $4,992 | $4,958 |
| Proceeds from (Repayments of) Short-term Debt | $18 | $107 | $100 | $-397 |
| Net Cash Provided by (Used in) Financing Activities | $121,176 | $137,067 | $55,310 | $131,883 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | $82,136 | $-45,019 | $-37,210 | $23,457 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $128,126 | $83,107 | $45,897 | $50,616 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $9,674 | $28,322 | $26,142 | $29,185 |
| Income Taxes Paid, Net | — | — | $4,669 | $5,080 |
| Right-of-Use Asset Obtained in Exchange for Operating Lease Liability | $187 | $0 | $90 | $900 |