OHIO VALLEY BANC Business Summary

Ohio Valley Banc Corp. (OVBC) operates as a community-focused financial holding company, generating the majority of its revenue through net interest income derived from a $1.13 billion loan portfolio. Its primary business segments are centered on The Ohio Valley Bank Company, which provides commercial and retail banking services across southeastern Ohio and western West Virginia, and Loan Central, a consumer finance subsidiary. As of early 2026, the company has strategically pivoted toward high-yield commercial real estate (CRE), commercial and industrial (C&I), and residential mortgage lending, while deliberately deemphasizing lower-margin consumer loan products. OVBC competes directly with regional players such as Mid Penn Bancorp (MPB), HomeTrust Bancshares (HTB), and SB Financial Group (SBFG), maintaining a competitive edge through its "Community First" mission and participation in specialized state initiatives like the Ohio Homebuyer Plus program. Founded in 1872 and headquartered in Gallipolis, Ohio, the company is led by a seasoned executive team with deep roots in the Appalachian banking sector. Larry E. Miller II serves as President and Chief Executive Officer, bringing over a decade of leadership experience within the organization, supported by Scott W. Shockey, who has served as Senior Vice President and Chief Financial Officer since 2004. The leadership team also includes Ryan J. Jones as Chief Operating and Risk Officer and Tommy R. Shepherd as Senior Vice President and Secretary. Governance is overseen by a veteran Board of Directors chaired by Thomas E. Wiseman, who transitioned to Non-Executive Chairman in January 2025. The company remains publicly traded on the NASDAQ Global Market, characterized by high insider ownership and a long-standing history of consecutive dividend payments spanning over three decades.