OVBC · CIK 0000894671
What Ohio Valley Banc Corp. told the SEC could break it.
Ohio Valley's credit exposure is geographically concentrated: its lending market is primarily southeastern Ohio and parts of western West Virginia, and with loan interest and fees about 77.8% of consolidated revenue, its results ride closely on that single regional economy. As a regulated bank it is also subject to OFAC sanctions and Bank Secrecy Act/Patriot Act obligations, where noncompliance could block merger or acquisition approvals and bring cease-and-desist orders and civil penalties. And as a holding company, a substantial portion of its revenue comes from cash dividends paid by its bank subsidiary, which are limited by regulatory capital constraints.
3 self-disclosed vulnerabilities, pulled from its own filings, each in the company’s words, with the source. This is the risk register almost nobody reads.
In its own words
What could break it.
Geographic concentration
- Lending market — southeastern Ohio and western West Virginiamedium
Lending is geographically concentrated in southeastern Ohio and western West Virginia, with loan interest and fees making up ~77.8% of consolidated revenue, exposing results to that single regional economy.
“The Company's market area for lending is primarily located in southeastern Ohio and portions of western West Virginia.”
SEC filing →As of 2026
Regulatory & policy
- OFAC / BSA bank sanctions compliancemedium
As a regulated bank, subject to OFAC sanctions and BSA/Patriot Act obligations; noncompliance can block merger/acquisition approvals and draw cease-and-desist orders and civil money penalties.
“Failure to comply with these sanctions could have serious financial, legal and reputational consequences, including causing applicable bank regulatory authorities not to approve merger or acquisition transactions when regulatory approval is required or to prohibit such transactions even if approval is not required.”
SEC filing →As of 2026
Other disclosures
- Holding-company dependence on bank-subsidiary dividendslow
A substantial portion of the holding company's revenue is derived from cash dividends paid by the Bank, which are subject to regulatory capital constraints.
“A substantial portion of Ohio Valley's revenue is derived from cash dividends paid by the Bank.”
SEC filing →As of 2026
In the MyPRIA app, this is checked against the companies you actually own.
← World Watch