OVBC / Ohio Valley Banc Corp. - Pemfailan SEC, Laporan Tahunan, Penyata Proksi

Ohio Valley Banc Corp.
US ˙ NasdaqGM ˙ US6777191064

Statistik Asas
CIK 894671
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Ohio Valley Banc Corp.
SEC Filings (Chronological Order)
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August 20, 2025 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 August 20, 2025 - For immediate release Contact: Scott Shockey, CFO 740-446-2631 OVBC announces extension of Stock Buyback Program GALLIPOLIS, Ohio—Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) announced the Board of Directors has authorized the extension date of its existing stock buyback program to August 31, 2026. The program was originally approved by the board in 2021 and

August 20, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 20, 2025 OHIO VALLEY BANC

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 20, 2025 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorp

August 14, 2025 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC CORP.

August 14, 2025 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 August 14, 2025 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the six months ended June 30, 2025 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the six months en

July 25, 2025 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 25, 2025 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

July 15, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 15, 2025 OHIO VALLEY BANC CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 15, 2025 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

July 1, 2025 EX-99.1

Ohio Valley Banc Corp. Joins Russell 3000 Index

Exhibit 99.1 PRESS RELEASE 6/30/25 For immediate release | Contact: Bryna Butler, 740-578-3400, [email protected] Ohio Valley Banc Corp. Joins Russell 3000 Index GALLIPOLIS, Ohio – Ohio Valley Banc Corp. [Nasdaq: OVBC] was added as a member of the broad-market Russell 3000® Index, effective after the US market opened today, June 30, as part of the 2025 Russell indexes’ reconstitution. Annual recon

July 1, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 1, 2025 OHIO VALLEY BANC COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 1, 2025 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpora

May 19, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 14, 2025 OHIO VALLEY BANC COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 14, 2025 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpora

May 15, 2025 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 May 15, 2025 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the three months ended March 31, 2025 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the three months

May 15, 2025 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC CORP

April 25, 2025 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 25, 2025 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpo

April 15, 2025 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 15, 2025 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpo

April 4, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Definitive Proxy State

March 14, 2025 EX-19

Ohio Valley Banc Corp. Insider Trading Policy: Filed herewith.

Exhibit 19 Insider Trading Policy GENERAL INFORMATION The securities laws and regulations enforced and promulgated by the Securities and Exchange Commission (the "SEC"), which are applicable to the common shares of Ohio Valley Banc Corp.

March 14, 2025 EX-10.7

Summary of Compensation for Directors and Named Executive Officers of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.7 SUMMARY OF COMPENSATION FOR DIRECTORS AND NAMED EXECUTIVE OFFICERS OF OHIO VALLEY BANC CORP. Directors All of the directors of Ohio Valley Banc Corp. (“Ohio Valley”) also serve as directors of its subsidiary, The Ohio Valley Bank Company (the “Bank”). The directors of Ohio Valley are paid by the Bank for their services rendered as directors of the Bank, not Ohio Valley. Each director

March 14, 2025 EX-13

Ohio Valley’s Annual Report to Shareholders for the fiscal year ended December 31, 2024: Filed herewith. (Not deemed filed except for portions thereof specifically incorporated by reference into this Annual Report on Form 10-K.)

consolidated statements of condition As of December 31 2024 2023 (dollars in thousands, except share and per share data) Assets Cash and noninterest-bearing deposits with banks $ 15,704 $ 14,252 Interest-bearing deposits with banks 67,403 113,874 Total cash and cash equivalents 83,107 128,126 Securities available for sale 268,120 162,258 Securities held to maturity, net of allowance for credit los

March 14, 2025 EX-21

Subsidiaries of Ohio Valley: Filed herewith.

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT NAME STATE OF INCORPORATION PERCENTAGE OF OWNERSHIP The Ohio Valley Bank Company Ohio 100% Loan Central, Inc. Ohio 100% Ohio Valley Financial Services Agency, LLC Ohio 100% Ohio Valley Statutory Trust III Delaware 100%

March 14, 2025 EX-10.8

Summary of Bonus Program of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.8 SUMMARY OF BONUS PROGRAM OF OHIO VALLEY BANC CORP. The following is a description of the Bonus Program (the "Bonus Program") of Ohio Valley Banc Corp. (the “Company”) provided pursuant to Item 601(b)(10)(iii) of Regulation S-K promulgated by the Securities and Exchange Commission, which requires a written description of a compensatory plan when no formal document contains the compensa

March 14, 2025 EX-10.22

The Ohio Valley Bank Company Director Deferred Fee Agreement, dated October 28, 2024, between Seth I. Michael and The Ohio Valley Bank Company: Filed herewith.

EXHIBIT 10.22 THE OHIO VALLEY BANK COMPANY DIRECTOR DEFERRED FEE AGREEMENT This DIRECTOR DEFERRED FEE AGREEMENT (this “Agreement”) is adopted this 28th day of October, 2024 by and between THE OHIO VALLEY BANK COMPANY, a state-chartered commercial bank located in Gallipolis, Ohio (the “Company”), and Seth I. Michael (the “Director”). The purpose of this Agreement is to provide specified benefits to

March 14, 2025 EX-10.21

The Ohio Valley Bank Company Director Retirement Agreement, dated October 28, 2024, between Seth I. Michael and The Ohio Valley Bank Company: Filed herewith.

EXHIBIT 10.21 THE OHIO VALLEY BANK COMPANY DIRECTOR RETIREMENT AGREEMENT This DIRECTOR RETIREMENT AGREEMENT (this “Agreement”) is adopted this 28th day of October, 2024 by and between THE OHIO VALLEY BANK COMPANY, a state-chartered commercial bank located in Gallipolis, Ohio (the “Company”), and Seth I. Michael (the “Director”). This Agreement provides specified benefits to the Director, a member

March 14, 2025 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 March 14, 2025 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-K for the fiscal year ended December 31, 2024 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing an Annual Report on Form 10-K for the fiscal year

March 14, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP. (Exac

January 28, 2025 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 28, 2025 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

January 14, 2025 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 14, 2025 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

December 17, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 11, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Inco

November 14, 2024 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC

November 14, 2024 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 November 14, 2024 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the nine months ended September 30, 2024 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the nine

October 28, 2024 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 28, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

October 15, 2024 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 15, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

August 21, 2024 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 August 21, 2024 - For immediate release Contact: Scott Shockey, CFO 740-446-2631 OVBC announces extension of Stock Buyback Program GALLIPOLIS, Ohio—Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) announced the Board of Directors has authorized the extension date of its existing stock buyback program to August 31, 2025. The program was originally approved by the board in 2021 and

August 21, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 21, 2024 OHIO VALLEY BANC

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 21, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorp

August 14, 2024 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC CORP.

August 14, 2024 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 August 14, 2024 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the six months ended June 30, 2024 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the six months en

July 26, 2024 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 26, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

July 16, 2024 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 16, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

May 16, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 15, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpora

May 15, 2024 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 May 15, 2024 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the three months ended March 31, 2024 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the three months

May 15, 2024 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC CORP

April 25, 2024 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 25, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpo

April 16, 2024 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 16, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpo

April 5, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Definitive Proxy State

March 20, 2024 EX-99.1

Seth Michael Joins Ohio Valley Bank Board of Directors

EXHIBIT 99.1 PRESS RELEASE March 20, 2024 | For immediate release Contact: Bryna Butler, Ohio Valley Bank, (740) 578-3400, E-mail: [email protected] Seth Michael Joins Ohio Valley Bank Board of Directors JACKSON, Ohio - Thomas E. Wiseman, chairman of the board, announced the election of Seth I. Michael to the Boards of Directors of Ohio Valley Banc Corp. (OVBC) [Nasdaq: OVBC] and Ohio Valley Bank

March 20, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): March 19, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpo

March 15, 2024 EX-13

Ohio Valley’s Annual Report to Shareholders for the fiscal year ended December 31, 2023

1 2 3 4 consolidated statements of condition As of December 31 2023 2022 (dollars in thousands, except share and per share data) Assets Cash and noninterest-bearing deposits with banks $ 14,252 $ 14,330 Interest-bearing deposits with banks 113,874 31,660 Total cash and cash equivalents 128,126 45,990 Certificates of deposit in financial institutions — 1,862 Securities available for sale 162,258 18

March 15, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP. (Exac

March 15, 2024 EX-19

Ohio Valley Banc Corp. Insider Trading Policy

Exhibit 19 Insider Trading Policy GENERAL INFORMATION The securities laws and regulations enforced and promulgated by the Securities and Exchange Commission (the "SEC"), which are applicable to the common shares of Ohio Valley Banc Corp.

March 15, 2024 EX-97

Ohio Valley Banc Corp. Policy for the Recovery of Erroneously Awarded Compensation

EXHIBIT 97 OHIO VALLEY BANC CORP. POLICY FOR THE RECOVERY OF ERRONEOUSLY AWARDED COMPENSATION 1. Purpose. The purpose of this Policy is to describe the circumstances in which Executive Officers will be required to repay or return Erroneously Awarded Compensation to members of the Company Group. Each Executive Officer shall be required to sign and return to the Company the Acknowledgement Form atta

March 15, 2024 EX-10.7

Summary of Compensation for Directors and Named Executive Officers of Ohio Valley Banc Corp.

EXHIBIT 10.7 SUMMARY OF COMPENSATION FOR DIRECTORS AND NAMED EXECUTIVE OFFICERS OF OHIO VALLEY BANC CORP. Directors All of the directors of Ohio Valley Banc Corp. (“Ohio Valley”) also serve as directors of its subsidiary, The Ohio Valley Bank Company (the “Bank”). The directors of Ohio Valley are paid by the Bank for their services rendered as directors of the Bank, not Ohio Valley. Each director

March 15, 2024 EX-10.8

Summary of Bonus Program of Ohio Valley Banc Corp.

EXHIBIT 10.8 SUMMARY OF BONUS PROGRAM OF OHIO VALLEY BANC CORP. The following is a description of the Bonus Program (the "Bonus Program") of Ohio Valley Banc Corp. (the “Company”) provided pursuant to Item 601(b)(10)(iii) of Regulation S-K promulgated by the Securities and Exchange Commission, which requires a written description of a compensatory plan when no formal document contains the compensa

March 15, 2024 EX-21

Subsidiaries of Ohio Valley

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT NAME STATE OF INCORPORATION PERCENTAGE OF OWNERSHIP The Ohio Valley Bank Company Ohio 100% Loan Central, Inc. Ohio 100% Ohio Valley Financial Services Agency, LLC Ohio 100% Ohio Valley Statutory Trust III Delaware 100%

March 15, 2024 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 March 15, 2024 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-K for the fiscal year ended December 31, 2023 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing an Annual Report on Form 10-K for the fiscal year

February 14, 2024 SC 13G

OVBC / Ohio Valley Banc Corp. / Bell Edward Allen - SCHEDULE 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE l3G Under the Securities Exchange Act of 1934 OHIO VALLEY BANC CORP. (Name of Issuer) Common Stock (Title of Class of Securities) 677719106 (CUSIP Number) December 31, 2023 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is filed: [ ] Rule l3d-1

February 13, 2024 SC 13G/A

OVBC / Ohio Valley Banc Corp. / OHIO VALLEY BANK Co - SCHEDULE 13G/A AMENDMENT 11 AS OF 12/31/23 Passive Investment

SC 13G/A 1 sched13ga021424.htm SCHEDULE 13G/A AMENDMENT 11 AS OF 12/31/23 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 11 ) Ohio Valley Banc Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 677719106 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check th

February 8, 2024 EX-16.1

Crowe LLP

Crowe LLP Independent Member Crowe Global 600 Superior Avenue East, Suite 902 Cleveland, Ohio 44114-2619 Tel +1 216 623 7500 Fax +1 216 623 7502 www.

February 8, 2024 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 8, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

January 25, 2024 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 25, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

January 16, 2024 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 16, 2024 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

December 15, 2023 CORRESP

2.

December 15, 2023 VIA EDGAR Ms. Cara Lubit Division of Corporation Finance Securities and Exchange Commission Washington, DC 20549-3561 Re: Ohio Valley Banc Corp. Form 10-K for the Annual Fiscal Period Ended December 31, 2022 Form 10-Q for the Quarterly Period Ended September 30, 2023 File No. 000-20914 Dear Ms. Lubit: This letter responds to the comments of the staff of the Securities and Exchang

November 14, 2023 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 November 14, 2023 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the nine months ended September 30, 2023 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the nine

November 14, 2023 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC

October 26, 2023 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 26, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

October 17, 2023 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 17, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

August 15, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 15, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorp

August 15, 2023 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 August 15, 2023 - For immediate release Contact: Scott Shockey, CFO 740-446-2631 OVBC announces extension of Stock Buyback Program GALLIPOLIS, Ohio—Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) announced the Board of Directors has authorized the extension date of its existing stock buyback program to August 31, 2024. The program was originally approved by the board in 2021 and

August 14, 2023 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 August 14, 2023 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the six months ended June 30, 2023 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the six months en

August 14, 2023 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC CORP.

July 27, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 27, 2023 OHIO VALLEY BANC CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 27, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

July 20, 2023 8-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. ) Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 17, 2023 O

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. ) Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 17, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisd

July 18, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 18, 2023 OHIO VALLEY BANC CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 18, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

May 19, 2023 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 17, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpora

May 17, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 17, 2023 OHIO VALLEY BANC COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 17, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpora

May 15, 2023 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC CORP

May 15, 2023 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 May 15, 2023 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the three months ended March 31, 2023 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the three months

May 1, 2023 SC 13G

OVBC / Ohio Valley Banc Corp. / Bell Edward Allen - SCHEDULE 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE l3G Under the Securities Exchange Act of 1934 OHIO VALLEY BANC CORP. (Name of Issuer) Common Stock (Title of Class of Securities) 677719106 (CUSIP Number) May 2, 2022 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is filed: [ ] Rule l3d-1(b) [X

April 27, 2023 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 27, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpo

April 18, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 18, 2023 OHIO VALLEY BANC C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 18, 2023 OHIO VALLEY BANC CORP (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

April 6, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ☐ Check the app

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Definitive Proxy State

March 23, 2023 EX-10.20(B)

Schedule A to Exhibit 10.20(a) identifying other Director Deferred Fee Agreements between The Ohio Valley Bank Company and directors of Ohio Valley Banc Corp.: Incorporated herein by reference to Exhibit 10.20(b) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2022 (File No. 000-20914).

EXHIBIT 10.20(b) SCHEDULE A TO EXHIBIT 10.20(a) The following individuals entered into director deferred fee agreements with The Ohio Valley Bank Company which are identical to the Director Deferred Fee Agreement, dated December 19, 2017, between Kimberly A. Canady and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Edward J. Robbins December 19, 2017 Edward B. Roberts October

March 23, 2023 EX-10.7

Summary of Compensation for Directors and Named Executive Officers of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.7 SUMMARY OF COMPENSATION FOR DIRECTORS AND NAMED EXECUTIVE OFFICERS OF OHIO VALLEY BANC CORP. Directors All of the directors of Ohio Valley Banc Corp. (“Ohio Valley”) also serve as directors of its subsidiary, The Ohio Valley Bank Company (the “Bank”). The directors of Ohio Valley are paid by the Bank for their services rendered as directors of the Bank, not Ohio Valley. Each director

March 23, 2023 EX-10.6(G)

Schedule A to Exhibit Exhibit 10.6(c) identifying other identical Amendment to the Ohio Valley Bank Company Executive Deferred Compensation Agreement between The Ohio Valley Bank Company and named executive officers of Ohio Valley Banc Corp.: Incorporated herein by reference to Exhibit 10.6(g) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2022 (File No. 000-20914).

EXHIBIT 10.6(g) SCHEDULE A TO EXHIBIT 10.6(c) The following individuals entered into an Amendment to the Ohio Valley Bank Company Executive Deferred Compensation Agreement with The Ohio Valley Bank Company which is identical to the Amendment to The Ohio Valley Bank Company Executive Deferred Compensation Agreement, dated November 17, 2022, between Thomas E. Wiseman and The Ohio Valley Bank Company

March 23, 2023 EX-10.19(B)

Schedule A to Exhibit 10.19(a) identifying other Director Retirement Agreements between The Ohio Valley Bank Company and directors of Ohio Valley Banc Corp.: Incorporated herein by reference to Exhibit 10.19(b) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2022 (File No. 000-20914).

EXHIBIT 10.19(b) SCHEDULE A TO EXHIBIT 10.19(a) The following individuals entered into director retirement agreements with The Ohio Valley Bank Company which are identical to the Director Retirement Agreement, dated December 19, 2017, between Kimberly A. Canady and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Edward J. Robbins December 19, 2017 Larry E. Miller II December 30

March 23, 2023 EX-21

Subsidiaries of Ohio Valley: Filed herewith.

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT NAME STATE OF INCORPORATION PERCENTAGE OF OWNERSHIP The Ohio Valley Bank Company Ohio 100% Loan Central, Inc. Ohio 100% Ohio Valley Financial Services Agency, LLC Ohio 100% Ohio Valley Statutory Trust III Delaware 100% OVBC Captive, Inc. Nevada 100%

March 23, 2023 EX-10.6(C)

Amendment to The Ohio Valley Bank Company Executive Deferred Compensation Agreement, dated November 17, 2022, between Thomas E. Wiseman and the Ohio Valley Bank Company: Incorporated herein by reference to Exhibit 10.6(c) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2022 (File No. 000-20914).

EXHIBIT 10.6(c) AMENDMENT TO THE OHIO VALLEY BANK COMPANY EXECUTIVE DEFERRED COMPENSATION AGREEMENT WHEREAS, The Ohio Valley Bank Company (the “Bank”) entered into an Executive Deferred Compensation Agreement with Thomas E. Wiseman (the “Executive”) dated November 17, 2022, as thereafter amended from time to time (the “Agreement”); WHEREAS, the Bank and Executive wish to amend the Agreement, pursu

March 23, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC CORP. (Ex

March 23, 2023 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 March 23, 2023 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-K for the fiscal year ended December 31, 2022 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing an Annual Report on Form 10-K for the fiscal year

March 23, 2023 EX-10.5(B)

Amendment to the The Ohio Valley Bank Company Second Amended and Restated Director Deferred Fee Agreement, dated November 17, 2022, between Thomas E. Wiseman and The Ohio Valley Bank Company: Incorporated herein by reference to Exhibit 10.5(b) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2022 (File No. 000-20914).

EXHIBIT 10.5(b) AMENDMENT TO THE OHIO VALLEY BANK COMPANY SECOND AMENDED AND RESTATED DIRECTOR DEFERRED FEE AGREEMENT WHEREAS, The Ohio Valley Bank Company (the “Bank”) entered into a Second Amended and Restated Director Deferred Fee Agreement with Thomas E. Wiseman (the “Director”) dated November 17, 2022, as thereafter amended from time to time (the “Agreement”); WHEREAS, the Bank and Director w

March 23, 2023 EX-13

Miller and Wiseman chat about the bank's Community First mission and its longevity with WSAZ's Susan Nicholas. Message from Management Dear Valued Shareholders, 2022 was a year of POSITIONING and PLANNING at Ohio Valley Bank and Loan Central ... lite

Miller and Wiseman chat about the bank's Community First mission and its longevity with WSAZ's Susan Nicholas.

March 23, 2023 EX-10.8

Summary of Bonus Program of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.8 SUMMARY OF BONUS PROGRAM OF OHIO VALLEY BANC CORP. The following is a description of the Bonus Program (the "Bonus Program") of Ohio Valley Banc Corp. (the “Company”) provided pursuant to Item 601(b)(10)(iii) of Regulation S-K promulgated by the Securities and Exchange Commission, which requires a written description of a compensatory plan when no formal document contains the compensa

March 23, 2023 EX-10.5(D)

Schedule A to Exhibit 10.5(b) identifying other identical Amendment to The Ohio Valley Bank Company Second Amended and Restated Director Deferred Fee Agreement between The Ohio Valley Bank Company and directors of Ohio Valley Banc Corp.: Incorporated herein by reference to Exhibit 10.5(d) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2022 (File No. 000-20914).

EXHIBIT 10.5(d) SCHEDULE A TO EXHIBIT 10.5(b) The following individuals entered into an Amendment to the Ohio Valley Bank Company Second Amended and Restated Director Deferred Fee Agreement which is identical to the Amendment to the Ohio Valley Bank Company Second Amended and Restated Director Deferred Fee Agreement, dated November 17, 2022, between Thomas E. Wiseman and The Ohio Valley Bank Compa

February 17, 2023 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 17, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Inco

February 14, 2023 SC 13G/A

OVBC / Ohio Valley Banc Corp. / OHIO VALLEY BANK Co - SCHEDULE 13G/A AMENDMENT 10 AS OF 12/31/22 Passive Investment

SC 13G/A 1 sched13ga021423.htm SCHEDULE 13G/A AMENDMENT 10 AS OF 12/31/22 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 10 ) Ohio Valley Banc Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 677719106 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check th

January 26, 2023 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 26, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

January 17, 2023 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 17, 2023 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

November 14, 2022 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC

November 14, 2022 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 November 14, 2022 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. ? Form 10-Q for the nine months ended September 30, 2022 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (?Ohio Valley?), is today filing a Quarterly Report on Form 10-Q for the nine

October 28, 2022 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 28, 2022 OHIO VALLEY BANC CORP (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorp

October 18, 2022 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 18, 2022 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

August 18, 2022 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 August 18, 2022 - For immediate release Contact: Scott Shockey, CFO 740-446-2631 OVBC announces extension of Stock Buyback Program GALLIPOLIS, Ohio?Ohio Valley Banc Corp. [Nasdaq: OVBC] (the ?Company?) announced the Board of Directors has authorized the extension date of its existing stock buyback program to August 31, 2023. The program was originally approved by the board in 2021 and

August 18, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 18, 2022 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorp

August 15, 2022 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC CORP.

August 15, 2022 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 August 15, 2022 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. ? Form 10-Q for the six months ended June 30, 2022 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (?Ohio Valley?), is today filing a Quarterly Report on Form 10-Q for the six months en

July 27, 2022 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 27, 2022 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

July 19, 2022 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 19, 2022 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

May 23, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 18, 2022 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpora

May 23, 2022 EX-99.1

Exhibit 99.1

Exhibit 99.1 OVBC announces new CEO, special dividend GALLIPOLIS, Ohio ? Several announcements were made during the Ohio Valley Banc Corp. Annual Shareholders Meeting, which took place Wednesday, May 18. Thomas E. Wiseman, chairman of the board of Ohio Valley Bank and Ohio Valley Banc Corp. (OVBC), announced the promotion of Larry E. Miller, II, to the position of chief executive officer (CEO) of

May 18, 2022 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 18, 2022 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpora

May 16, 2022 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-20914 OHIO VALLEY BANC CORP

May 16, 2022 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 May 16, 2022 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. ? Form 10-Q for the three months ended March 31, 2022 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (?Ohio Valley?), is today filing a Quarterly Report on Form 10-Q for the three months

April 27, 2022 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 27, 2022 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpo

April 19, 2022 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 19, 2022 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpo

April 8, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

DEF 14A 1 def14aproxy2022.htm 2022 DEFINITIVE PROXY STATEMENT UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission On

March 17, 2022 EX-13

Ohio Valley’s Annual Report to Shareholders for the fiscal year ended December 31, 2021: Filed herewith. (Not deemed filed except for portions thereof specifically incorporated by reference into this Annual Report on Form 10-K.)

OVBC Annual Report 2021 Start your engines... Message from Management Dear Neighbors and Friends, Surely 2021, like 2020, will go down in history as the time of the global pandemic. Though this unceasing disease did its best to force our community apart, we noticed something pretty amazing, but not surprising, our community came TOGETHER like never before. When we opened a new drive-thru o?ce in t

March 17, 2022 EX-21

Subsidiaries of Ohio Valley: Filed herewith.

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT NAME STATE OF INCORPORATION PERCENTAGE OF OWNERSHIP The Ohio Valley Bank Company Ohio 100% Loan Central, Inc. Ohio 100% Ohio Valley Financial Services Agency, LLC Ohio 100% Ohio Valley Statutory Trust III Delaware 100% OVBC Captive, Inc. Nevada 100%

March 17, 2022 EX-10.17

2016 Determination of Director’s Fees Agreement for purposes of the Director Retirement Agreement for Directors Thomas and Wiseman: Incorporated herein by reference to Exhibit 10.17 to Ohio Valley’s Annual Report on Form 10-K for year ended December 31, 2021 (File No. 000-20914).

EXHIBIT 10.17 The following form of agreement was executed by The Ohio Valley Bank Company and each of the following directors on the dates indicated beside their names: Name Date of Agreement David W. Thomas December 20, 2016 Thomas E. Wiseman December 13, 2016 2016 DETERMINATION OF DIRECTOR?S FEES FOR PURPOSES OF THE DIRECTOR RETIREMENT AGREEMENT FOR THIS AGREEMENT is made this day of December,

March 17, 2022 EX-10.5(B)

Schedule A to Exhibit 10.5(a) identifying other identical Second Amended and Restated Director Deferred Fee Agreements between The Ohio Valley Bank Company and directors of Ohio Valley Banc Corp.: Incorporated herein by reference to Exhibit 10.5(b) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2021 (File No. 000-20914).

EXHIBIT 10.5(b) SCHEDULE A TO EXHIBIT 10.5(a) The following individuals entered into director deferred fee agreements with The Ohio Valley Bank Company which are identical to the Second Amended and Restated Director Deferred Fee Agreement, dated December 18, 2012, between Thomas E. Wiseman and The Ohio Valley Bank Company filed herewith. Name Date of Agreement David W. Thomas December 18, 2012

March 17, 2022 EX-10.16

2016 Determination of Director’s Fees Agreement for purposes of the Director Deferred Fee Agreements for Directors Thomas, Wiseman, Barnitz and Saunders: Incorporated herein by reference to Exhibit 10.16 to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2021 (File No. 000-20914).

EXHIBIT 10.16 The following form of agreement was executed by The Ohio Valley Bank Company and each of the following directors on the dates indicated beside their names: Name Date of Agreement David W. Thomas December 20, 2016 Thomas E. Wiseman December 13, 2016 Anna P. Barnitz December 13, 2016 Brent A. Saunders December 13, 2016 2016 DETERMINATION OF DIRECTOR?S FEES FOR PURPOSES OF THE DIRECTOR

March 17, 2022 EX-10.3(B)

Schedule A to Exhibit 10.3(a) identifying other identical Third Amended and Restated Director Retirement Agreements between The Ohio Valley Bank Company and directors of Ohio Valley Banc Corp.: Incorporated herein by reference to Exhibit 10.3(b) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2021 (File No. 000-20914).

EX-10.3(B) 3 sec10k123121ex103b.htm EXHIBIT 10.3(B) EXHIBIT 10.3(b) SCHEDULE A TO EXHIBIT 10.3(a) The following individuals entered into director retirement agreements with The Ohio Valley Bank Company which are identical to the Third Amended and Restated Director Retirement Agreement, dated December 18, 2012, between Thomas E. Wiseman and The Ohio Valley Bank Company filed herewith. Name Date of

March 17, 2022 EX-10.7

Summary of Compensation for Directors and Named Executive Officers of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.7 SUMMARY OF COMPENSATION FOR DIRECTORS AND NAMED EXECUTIVE OFFICERS OF OHIO VALLEY BANC CORP. Directors All of the directors of Ohio Valley Banc Corp. (?Ohio Valley?) also serve as directors of its subsidiary, The Ohio Valley Bank Company (the ?Bank?). The directors of Ohio Valley are paid by the Bank for their services rendered as directors of the Bank, not Ohio Valley. Each director

March 17, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 00-20914 OHIO VALLEY BANC CORP. (Exa

March 17, 2022 EX-10.8

Summary of Bonus Program of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.8 SUMMARY OF BONUS PROGRAM OF OHIO VALLEY BANC CORP. The following is a description of the Bonus Program (the "Bonus Program") of Ohio Valley Banc Corp. (the ?Company?) provided pursuant to Item 601(b)(10)(iii) of Regulation S-K promulgated by the Securities and Exchange Commission, which requires a written description of a compensatory plan when no formal document contains the compensa

March 17, 2022 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 March 16, 2022 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. ? Form 10-K for the fiscal year ended December 31, 2021 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (?Ohio Valley?), is today filing an Annual Report on Form 10-K for the fiscal year

February 11, 2022 SC 13G/A

OVBC / Ohio Valley Banc Corp. / OHIO VALLEY BANK Co - SCHEDULE 13 G/A AMENDMENT 9 AS OF 12/31/21 Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 9 ) Ohio Valley Banc Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 677719106 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is

January 27, 2022 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 27, 2022 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

January 18, 2022 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 18, 2022 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

November 15, 2021 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 November 15,2021 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. ? Form 10-Q for the nine months ended September 30, 2021 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (?Ohio Valley?), is today filing a Quarterly Report on Form 10-Q for the nine mon

November 15, 2021 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CO

October 27, 2021 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 27, 2021 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

October 19, 2021 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 19, 2021 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

August 18, 2021 EX-99.1

Ed Roberts Joins OVBC & OVB Boards

EXHIBIT 99.1 PRESS RELEASE For immediate release Contact: Bryna Butler, (740) 578-3400, E-mail: [email protected] Ed Roberts Joins OVBC & OVB Boards GALLIPOLIS, Ohio ? Chairman and CEO Thomas E. Wiseman announces that Ed was elected to the Boards of Directors of Ohio Valley Banc Corp. [Nasdaq: OVBC] and Ohio Valley Bank during the board meeting held August 17. His tenure will begin September 1. Wi

August 18, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 18, 2021 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorp

August 16, 2021 10-Q

United States Securities and Exchange Commission Washington, D.C. 20549

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP. (

August 16, 2021 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 August 16, 2021 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. ? Form 10-Q for the six months ended June 30, 2021 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (?Ohio Valley?), is today filing a Quarterly Report on Form 10-Q for the six months ende

July 28, 2021 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 28, 2021 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

July 23, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 23, 2021 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

July 23, 2021 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 July 23, 2021 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Announces Stock Buyback Program GALLIPOLIS, Ohio?Ohio Valley Banc Corp. [Nasdaq: OVBC] (the ?Company?) announced the Board of Directors has authorized the repurchase of up to $5 million in shares of the Company?s outstanding common stock. Repurchases will be made periodically depend

July 20, 2021 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 20, 2021 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 000-20914 31-1359191 (Commission File Num

June 16, 2021 EX-99.1

Ryan Smith Joins OVBC & OVB Boards

EXHIBIT 99.1 PRESS RELEASE For immediate release Contact: Bryna Butler, (740) 578-3400, E-mail: [email protected] Ryan Smith Joins OVBC & OVB Boards GALLIPOLIS, Ohio ? Chairman and CEO Thomas E. Wiseman announces that K. Ryan Smith was elected to the Boards of Directors of Ohio Valley Banc Corp. [Nasdaq: OVBC] and Ohio Valley Bank during the board meeting held June 15. His tenure will begin July 1

June 16, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): June 16, 2021 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpor

May 20, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 19, 2021 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpora

May 10, 2021 10-Q

Quarterly Report - FORM 10-Q AT 03/31/21

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP.

May 10, 2021 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 May 10, 2021 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. ? Form 10-Q for the three months ended March 31, 2021 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (?Ohio Valley?), is today filing a Quarterly Report on Form 10-Q for the three months en

April 28, 2021 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 28, 2021 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpo

April 20, 2021 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 20, 2021 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorpo

April 9, 2021 DEF 14A

- 2021 DEFINITIVE PROXY STATEMENT

DEF 14A 1 def14aproxy2021.htm 2021 DEFINITIVE PROXY STATEMENT UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Preliminary Proxy Statement ◻ Confidential, for Use of the Commission On

March 24, 2021 EX-10.9

Summary of Bonus Program of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.9 SUMMARY OF BONUS PROGRAM OF OHIO VALLEY BANC CORP. The following is a description of the Bonus Program (the "Bonus Program") of Ohio Valley Banc Corp. (the ?Company?) provided pursuant to Item 601(b)(10)(iii) of Regulation S-K promulgated by the Securities and Exchange Commission, which requires a written description of a compensatory plan when no formal document contains the compensa

March 24, 2021 EX-10.4A

Schedule A to Exhibit 10.4(a) identifying other identical Salary Continuation Agreements between The Ohio Valley Bank Company and certain executive officers of Ohio Valley Banc Corp.: Incorporated herein by reference to Exhibit 10.4(a) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2020 (File No. 000-20914).

EXHIBIT 10.4(a) SCHEDULE A TO EXHIBIT 10.4 The following individuals entered into Salary Continuation Plans with The Ohio Valley Bank Company which are identical to the Salary Continuation Plan, dated January 26, 2016, between Larry E. Miller and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Scott W. Shockey July 9, 2020

March 24, 2021 EX-10.2

Schedule A to Exhibit 10.1 identifying other identical Executive Group Life Split Dollar Agreements between The Ohio Valley Bank Company and certain executive officers of Ohio Valley Banc Corp.: Incorporated herein by reference to Exhibit 10.2 to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2020 (File No. 000-20914).

EXHIBIT 10.2 SCHEDULE A TO EXHIBIT 10.1 The following individuals entered into Executive Group Life Split Dollar Plans with The Ohio Valley Bank Company identified below which are identical to the Executive Group Life Split Dollar Plan, dated December 31, 2011, between Thomas E. Wiseman and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Larry E. Miller II August 19, 2009 Scott

March 24, 2021 EX-10.7A

The Ohio Valley Bank Company Executive Deferred Compensation Agreement, dated December 18, 2012, between Thomas E. Wiseman and The Ohio Valley Bank Company: Incorporated herein by reference to Exhibit 10.7(a) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2020 (File No. 000-20914).

EXHIBIT 10.7(a) THE OHIO VALLEY BANK COMPANY AMENDED AND RESTATED EXECUTIVE DEFERRED COMPENSATION AGREEMENT This AMENDED AND RESTATED EXECUTIVE DEFERRED COMPENSATION AGREEMENT (this ?Agreement?) is adopted this 18th day of December 2012 by and between THE OHIO VALLEY BANK COMPANY, located in Gallipolis, Ohio (the ?Company?), and Thomas E. Wiseman (the ?Executive?). This Agreement amends and restat

March 24, 2021 EX-10.3A

The Ohio Valley Bank Company Third Amended and Restated Director Retirement Agreement, dated December 18, 2012, between Thomas E. Wiseman and The Ohio Valley Bank Company: Incorporated herein by reference to Exhibit 10.3(a) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2020 (File No. 000-20914).

EXHIBIT 10.3(a) THE OHIO VALLEY BANK COMPANY THIRD AMENDED AND RESTATED DIRECTOR RETIREMENT AGREEMENT This THIRD AMENDED AND RESTATED DIRECTOR RETIREMENT AGREEMENT (this ?Agreement?) is adopted this 18th day of December, 2012 by and between THE OHIO VALLEY BANK COMPANY, a state-chartered commercial bank located in Gallipolis, Ohio (the ?Company?), and Thomas E. Wiseman (the ?Director?). This Agree

March 24, 2021 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 March 24, 2021 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. ? Form 10-K for the fiscal year ended December 31, 2020 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (?Ohio Valley?), is today filing an Annual Report on Form 10-K for the fiscal year

March 24, 2021 EX-21

Subsidiaries of Ohio Valley: Filed herewith.

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT NAME STATE OF INCORPORATION PERCENTAGE OF OWNERSHIP The Ohio Valley Bank Company Ohio 100% Loan Central, Inc. Ohio 100% Ohio Valley Financial Services Agency, LLC Ohio 100% Ohio Valley Statutory Trust III Delaware 100% OVBC Captive, Inc. Nevada 100%

March 24, 2021 10-K

Annual Report - FORM 10-K AT 12/31/20

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP. (Exac

March 24, 2021 EX-10.8

Summary of Compensation for Directors and Named Executive Officers of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.8 SUMMARY OF COMPENSATION FOR DIRECTORS AND NAMED EXECUTIVE OFFICERS OF OHIO VALLEY BANC CORP. Directors All of the directors of Ohio Valley Banc Corp. (?Ohio Valley?) also serve as directors of its subsidiary, The Ohio Valley Bank Company (the ?Bank?). The directors of Ohio Valley are paid by the Bank for their services rendered as directors of the Bank, not Ohio Valley. Each director

March 24, 2021 EX-10.19

2016 Determination of Director’s Fees Agreement for purposes of the Director Retirement Agreement for Directors Thomas, Howe, and Wiseman: Filed herewith.

EXHIBIT 10.19 The following form of agreement was executed by The Ohio Valley Bank Company and each of the following directors on the dates indicated beside their names: Name Date of Agreement David W. Thomas December 20, 2016 Harold A. Howe December 13, 2016 Thomas E. Wiseman December 13, 2016 2016 DETERMINATION OF DIRECTOR?S FEES FOR PURPOSES OF THE DIRECTOR RETIREMENT AGREEMENT FOR THIS AGREEME

March 24, 2021 EX-10.3B

Schedule A to Exhibit 10.3(a) identifying other identical Third Amended and Restated Director Retirement Agreements between The Ohio Valley Bank Company and directors of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.3(b) SCHEDULE A TO EXHIBIT 10.3(a) The following individuals entered into director retirement agreements with The Ohio Valley Bank Company which are identical to the Third Amended and Restated Director Retirement Agreement, dated December 18, 2012, between Thomas E. Wiseman and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Harold A. Howe December 18, 2012 David W.

March 24, 2021 EX-10.7D

Schedule A to Exhibit 10.6(a) identifying other identical Executive Deferred Compensation Agreements between The Ohio Valley Bank Company and executive officers of Ohio Valley Banc Corp.: Incorporated herein by reference to Exhibit 10.3(a) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2020 (File No. 000-20914).

EXHIBIT 10.7(d) SCHEDULE A TO EXHIBIT 10.7(a) The following individuals entered into Executive Deferred Compensation Plans with The Ohio Valley Bank Company identified below which are identical to the Executive Deferred Compensation Plan, dated December 18, 2012, between Thomas E. Wiseman and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Scott W. Shockey December 18, 2012

March 24, 2021 EX-10.7(E)

Schedule A to Exhibit 10.6(b) identifying the named executive officers of Ohio Valley Banc Corp. who executed with The Ohio Valley Bank Company the First Amendment to The Ohio Valley Bank Company Executive Deferred Compensation Agreement: Incorporated herein by reference to Exhibit 10.3(a) to Ohio Valley’s Annual Report on Form 10-K for fiscal year ended December 31, 2020 (File No. 000-20914).

EXHIBIT 10.7(e) SCHEDULE A TO EXHIBIT 10.7(b) The following individuals entered into a First Amendment to the Ohio Valley Bank Company Executive Deferred Compensation Agreement with The Ohio Valley Bank Company which are identical to the First Amendment to the Ohio Valley Bank Company Executive Deferred Compensation Agreement, dated January 26, 2016, filed herewith. Name Date of Agreement Thomas E

March 24, 2021 EX-13

Ohio Valley’s Annual Report to Shareholders for the fiscal year ended December 31, 2020: Filed herewith. (Not deemed filed except for portions thereof specifically incorporated by reference into this Annual Report on Form 10-K.)

EX-13 13 sec10k123120ex13.htm ANNUAL REPORT TO SHAREHOLDERS AS OF 12/31/20 OVBC ANNUAL REPORT 2020 [Picture of Rio Grande Office] Honoring 50 years in Rio Grande A note about the cover: Throughout much of this report you will see how your company faced the challenges of the COVID-19 global pandemic that changed everything. There is no doubt that when we mark this year in history, the pandemic will

February 23, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 23, 2021 OHIO VALLEY BANC CORP (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

February 12, 2021 SC 13G/A

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 8 ) Ohio Valley Banc Corp. (Name of Issuer) Common Stock (Title of Class of Securities) (CUSIP Number) December 31, 2020

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 8 ) Ohio Valley Banc Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 677719106 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is

January 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 28, 2021 OHIO VALLEY BANC CORP (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incorp

January 28, 2021 EX-99.1

Ohio Valley Banc Corp. Reports 4th Quarter and Fiscal Year Earnings

EXHIBIT 99.1 January 28, 2021 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 4th Quarter and Fiscal Year Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended December 31, 2020, of $4,700,000, an increase of 34.4% from the $3,498,000 earned for the fourth quarter of

January 19, 2021 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 19, 2021 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

November 9, 2020 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 November 9, 2020 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the nine months ended September 30, 2020 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the nine mon

November 9, 2020 10-Q

Quarterly Report - FORM 10-Q AT 09/30/20

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CO

October 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 27, 2020 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

October 27, 2020 EX-99.1

Ohio Valley Banc Corp. Reports 3rd Quarter Earnings

EXHIBIT 99.1 October 27, 2020 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 3rd Quarter Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended September 30, 2020, of $2,294,000, an increase of 7.3 percent from the $2,137,000 earned for the third quarter of 2019. Ear

October 20, 2020 8-K

Other Events - FOURTH QUARTER DIVIDEND PAYABLE 11/10/20

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 20, 2020 OHIO VALLEY BANC CORP. (Exact Name of Registrant as Specified in Its Charter) 000-20914 (Commission File Number) Ohio 31-1359191 (State or Other Jurisdiction of Incor

August 27, 2020 SC 13G/A

OVBC / Ohio Valley Banc Corp. / MORRIS & DOROTHY HASKINS FOUNDATION, INC - SCHEDULE 13 G/A AMENDMENT 10 AS OF 063020 Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 10 ) Ohio Valley Banc Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 677719106 (CUSIP Number) June 30, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is fil

August 10, 2020 EX-4

EXHIBIT 4

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 August 10, 2020 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the three months ended June 30, 2020 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the six months en

August 10, 2020 10-Q

Quarterly Report - FORM 10-Q AT 06/30/20

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP. (

July 27, 2020 EX-99.1

Ohio Valley Banc Corp. Reports 2nd Quarter Earnings

EXHIBIT 99.1 July 27, 2020 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 2nd Quarter Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended June 30, 2020, of $2,263,000 compared to $3,079,000 earned for the second quarter of 2019. Earnings per share for the second q

July 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 27, 2020 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Numb

July 21, 2020 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 21, 2020 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Numb

May 21, 2020 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 May 20, 2020 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Numbe

May 11, 2020 10-Q

Quarterly Report - FORM 10-Q AT 03/31/20

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ⌧ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP.

May 11, 2020 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 May 11, 2020 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the three months ended March 31, 2020 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the three months en

April 27, 2020 EX-99.1

Ohio Valley Banc Corp. Reports 1st Quarter Earnings

EXHIBIT 99.1 April 27, 2020 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 1st Quarter Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended March 31, 2020, of $1,002,000, a decrease of $191,000 from the same period the prior year. Earnings per share for the first q

April 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 April 27, 2020 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Num

April 14, 2020 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 April 14, 2020 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Num

April 9, 2020 DEF 14A

OVBC / Ohio Valley Banc Corp. DEF 14A - - 2020 DEFINITIVE PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Preliminary Proxy Statement ◻ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Definitive Proxy State

March 16, 2020 EX-4.2

Description of Registered Securities: Filed herewith.

Exhibit 4.2 Description of Ohio Valley Banc Corp. Capital Stock As of December 31, 2019, Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley,” the “Company,” “we,” or “our”), had one class of securities registered pursuant to Section 12 of the U.S. Securities Exchange Act of 1934, as amended: Common Stock, without par value (“Common Shares”). Ohio Valley’s Amended Articles of Incorporation (

March 16, 2020 EX-13

Ohio Valley’s Annual Report to Shareholders for the fiscal year ended December 31, 2019: Filed herewith. (Not deemed filed except for portions thereof specifically incorporated by reference into this Annual Report on Form 10-K.)

OVBC Annual Report 2019 Our Community pride is bank wide! A Message from Management Dear Neighbors and Friends, Ohio Valley Bank and Loan Central’s dedication to put Community First has not soared higher than it did in 2019.

March 16, 2020 EX-10.8

Summary of Compensation for Directors and Named Executive Officers of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.8 SUMMARY OF COMPENSATION FOR IRECTORS AND NAMED EXECUTIVE OFFICERS OF OHIO VALLEY BANC CORP. Directors All of the directors of Ohio Valley Banc Corp. (“Ohio Valley”) also serve as directors of its subsidiary, The Ohio Valley Bank Company (the “Bank”). The directors of Ohio Valley are paid by the Bank for their services rendered as directors of the Bank, not Ohio Valley. Each director o

March 16, 2020 10-K

OVBC / Ohio Valley Banc Corp. 10-K - Annual Report - FORM 10-K AT 12/31/19

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ⌧ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR □ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP. (Exac

March 16, 2020 EX-10.7(E)

Schedule A to Exhibit 10.7(b) identifying the named executive officers of Ohio Valley Banc Corp. who executed with The Ohio Valley Bank Company the First Amendment to The Ohio Valley Bank Company Executive Deferred Compensation Agreement: Filed herewith.

EXHIBIT 10.7(e) SCHEDULE A TO EXHIBIT 10.7(b) The following individuals entered into a First Amendment to the Ohio Valley Bank Company Executive Deferred Compensation Agreement with The Ohio Valley Bank Company which are identical to the First Amendment to the Ohio Valley Bank Company Executive Deferred Compensation Agreement, dated January 26, 2016, filed herewith. Name Date of Agreement Jeffrey

March 16, 2020 EX-10.22(A)

Schedule A to Exhibit 10.22 identifying other Director Retirement Agreements between The Ohio Valley Bank Company and directors of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.22(a) SCHEDULE A TO EXHIBIT 10.22 The following individuals entered into director retirement agreements with The Ohio Valley Bank Company which are identical to the Director Retirement Agreement, dated December 19, 2017, between Kimberly A. Canady and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Edward J. Robbins December 19, 2017 Larry E. Miller II December 30, 2

March 16, 2020 EX-10.24

Severance Agreement for Katrinka Hart-Harris: Filed herewith.

EXHIBIT 10.24 SEVERANCE AGREEMENT AND RELEASE THIS SEVERANCE AGREEMENT AND RELEASE is by and between Ohio Valley Bank, its successors and assigns (the “Bank”), 420 Third Avenue, Gallipolis, OH 45631, and Katrinka Hart-Harris, her heirs, executors, administrators, personal or legal representatives, successors and/or assigns (“Employee”). The Bank and Employee agree as follows: 1. Purpose. The purpo

March 16, 2020 EX-10.7(D)

Schedule A to Exhibit 10.7(a) identifying other identical Executive Deferred Compensation Agreements between The Ohio Valley Bank Company and executive officers of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.7(d) SCHEDULE A TO EXHIBIT 10.7(a) The following individuals entered into Executive Deferred Compensation Plans with The Ohio Valley Bank Company identified below which are identical to the Executive Deferred Compensation Plan, dated December 18, 2012, between Jeffrey E. Smith and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Thomas E. Wiseman December 18, 2012 Kat

March 16, 2020 EX-10.2

Schedule A to Exhibit 10.1 identifying other identical Executive Group Life Split Dollar Agreements between The Ohio Valley Bank Company and certain executive officers of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.2 SCHEDULE A TO EXHIBIT 10.1 The following individuals entered into Executive Group Life Split Dollar Plans with The Ohio Valley Bank Company identified below which are identical to the Executive Group Life Split Dollar Plan, dated December 31, 2011, between Thomas E. Wiseman and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Larry E. Miller II August 19, 2009 Jeffr

March 16, 2020 EX-10.9

Summary of Bonus Program of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.9 SUMMARY OF BONUS PROGRAM OF OHIO VALLEY BANC CORP. The following is a description of the Bonus Program (the "Bonus Program") of Ohio Valley Banc Corp. (the “Company”) provided pursuant to Item 601(b)(10)(iii) of Regulation S-K promulgated by the Securities and Exchange Commission, which requires a written description of a compensatory plan when no formal document contains the compensa

March 16, 2020 EX-4.1

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4.1 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 March 16, 2020 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-K for the fiscal year ended December 31, 2019 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing an Annual Report on Form 10-K for the fiscal year

March 16, 2020 EX-21

Subsidiaries of Ohio Valley: Filed herewith.

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT NAME STATE OF INCORPORATION PERCENTAGE OF OWNERSHIP The Ohio Valley Bank Company Ohio 100% Loan Central, Inc. Ohio 100% Ohio Valley Financial Services Agency, LLC Ohio 100% Ohio Valley Statutory Trust III Delaware 100% OVBC Captive, Inc. Nevada 100%

March 10, 2020 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 March 10, 2020 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Num

February 25, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 February 25, 2020 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File

February 7, 2020 SC 13G/A

OVBC / Ohio Valley Banc Corp. / OHIO VALLEY BANK Co - SCHEDULE 13 G/A AMENDMENT 7 AS OF 12/31/19 Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 7 ) Ohio Valley Banc Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 677719106 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is

January 29, 2020 EX-99.1

Ohio Valley Banc Corp. Reports 4th Quarter and Fiscal Year Earnings

EXHIBIT 99.1 January 29, 2020 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 4th Quarter and Fiscal Year Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended December 31, 2019, of $3,498,000, a decrease of $358,000 from the $3,856,000 earned for the fourth quarter

January 29, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 January 29, 2020 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File N

January 14, 2020 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 January 14, 2020 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File N

November 12, 2019 10-Q

OVBC / Ohio Valley Banc Corp. 10-Q - Quarterly Report - FORM 10-Q AT 09/30/19

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CO

November 12, 2019 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 November 12, 2019 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the nine months ended September 30, 2019 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the nine mo

October 25, 2019 EX-99.1

Ohio Valley Banc Corp. Reports 3rd Quarter Earnings

EXHIBIT 99.1 October 25, 2019 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 3rd Quarter Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended September 30, 2019, of $2,137,000, an increase of 22.4 percent from the $1,746,000 earned for the third quarter of 2018. Ea

October 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 October 25, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File N

October 15, 2019 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 October 15, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File N

August 9, 2019 10-Q

OVBC / Ohio Valley Banc Corp. 10-Q - Quarterly Report - FORM 10-Q AT 06/30/19

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP. (

August 9, 2019 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 August 9, 2019 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the six months ended June 30, 2019 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the six months ended

July 25, 2019 EX-99.1

Ohio Valley Banc Corp. Reports 2nd Quarter Earnings

EXHIBIT 99.1 July 25, 2019 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 2nd Quarter Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended June 30, 2019, of $3,079,000, an increase of 3.5 percent from the $2,976,000 earned for the second quarter of 2018. Earnings p

July 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 25, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Numb

July 16, 2019 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 16, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Numb

May 20, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 May 15, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Numbe

May 14, 2019 10-Q

OVBC / Ohio Valley Banc Corp. 10-Q Quarterly Report FORM 10-Q AT 03/31/19

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP.

May 14, 2019 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 May 14, 2019 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the three months ended March 31, 2019 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the three months en

May 13, 2019 NT 10-Q

OVBC / Ohio Valley Banc Corp. NT 10-Q FORM 12B-25 NOTIFICATION OF LATE FILING

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING SEC FILE NUMBER: 000-20914 CUSIP NUMBER: 677719106 (Check one): [ ] Form 10-K [ ] Form 20-F [ ] Form 11-K [ X ] Form 10-Q [ ] Form 10-D [ ] Form N-SAR [ ] Form N-CSR For Period Ended: March 31, 2019 [ ] Transition Report on Form 10-K [ ] Transition Report on Form 20-F [ ] Transition Repo

April 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 April 25, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Num

April 25, 2019 EX-99.1

Ohio Valley Banc Corp. Reports 1st Quarter Earnings

EXHIBIT 99.1 April 25, 2019 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 1st Quarter Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended March 31, 2019, of $1,193,000, a decrease of $2,173,000 from the same period the prior year. Earnings per share for the first

April 16, 2019 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 April 16, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Num

April 5, 2019 DEF 14A

OVBC / Ohio Valley Banc Corp. 2019 DEFINITIVE PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☑ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Definitive Proxy State

March 18, 2019 EX-10.6(B)

Schedule A to Exhibit 10.6(a) identifying other identical Second Amended and Restated Director Deferred Fee Agreements between The Ohio Valley Bank Company and directors of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.6(b) SCHEDULE A TO EXHIBIT 10.6(a) The following individuals entered into director deferred fee agreements with The Ohio Valley Bank Company which are identical to the Second Amended and Restated Director Deferred Fee Agreement, dated December 18, 2012, between Thomas E. Wiseman and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Harold A. Howe December 18, 2012 Davi

March 18, 2019 EX-21

Subsidiaries of Ohio Valley: Filed herewith.

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT NAME STATE OF INCORPORATION PERCENTAGE OF OWNERSHIP The Ohio Valley Bank Company Ohio 100% Loan Central, Inc. Ohio 100% Ohio Valley Financial Services Agency, LLC Ohio 100% Ohio Valley Statutory Trust III Delaware 100% OVBC Captive, Inc. Nevada 100%

March 18, 2019 EX-10.2

Schedule A to Exhibit 10.1 identifying other identical Executive Group Life Split Dollar Agreements between The Ohio Valley Bank Company and certain executive officers of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.2 SCHEDULE A TO EXHIBIT 10.1 The following individuals entered into Executive Group Life Split Dollar Plans with The Ohio Valley Bank Company identified below which are identical to the Executive Group Life Split Dollar Plan, dated December 31, 2011, between Thomas E. Wiseman and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Larry E. Miller II August 19, 2009 Jeffr

March 18, 2019 EX-10.7(D)

Schedule A to Exhibit 10.7(a) identifying other identical Executive Deferred Compensation Agreements between The Ohio Valley Bank Company and executive officers of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.7(d) SCHEDULE A TO EXHIBIT 10.7(a) The following individuals entered into Executive Deferred Compensation Plans with The Ohio Valley Bank Company identified below which are identical to the Executive Deferred Compensation Plan, dated December 18, 2012, between Jeffrey E. Smith and The Ohio Valley Bank Company filed herewith. Name Date of Agreement Thomas E. Wiseman December 18, 2012

March 18, 2019 EX-10.8

Summary of Compensation for Directors and Named Executive Officers of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.8 SUMMARY OF COMPENSATION FOR DIRECTORS AND NAMED EXECUTIVE OFFICERS OF OHIO VALLEY BANC CORP. Directors All of the directors of Ohio Valley Banc Corp. (“Ohio Valley”) also serve as directors of its subsidiary, The Ohio Valley Bank Company (the “Bank”). The directors of Ohio Valley are paid by the Bank for their services rendered as directors of the Bank, not Ohio Valley. Each director

March 18, 2019 EX-10.7(E)

Schedule A to Exhibit 10.7(b) identifying the named executive officers of Ohio Valley Banc Corp. who executed with The Ohio Valley Bank Company the First Amendment to The Ohio Valley Bank Company Executive Deferred Compensation Agreement: Filed herewith.

EXHIBIT 10.7(e) SCHEDULE A TO EXHIBIT 10.7(b) The following individuals entered into a First Amendment to the Ohio Valley Bank Company Executive Deferred Compensation Agreement with The Ohio Valley Bank Company which are identical to the First Amendment to the Ohio Valley Bank Company Executive Deferred Compensation Agreement, dated January 26, 2016, filed herewith. Name Date of Agreement Jeffrey

March 18, 2019 10-K

OVBC / Ohio Valley Banc Corp. FORM 10-K AT 12/31/18 (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP. (Exac

March 18, 2019 EX-13

Ohio Valley’s Annual Report to Shareholders for the fiscal year ended December 31, 2018: Filed herewith. (Not deemed filed except for portions thereof specifically incorporated by reference into this Annual Report on Form 10-K.)

Community First! OVBC Ohio Valley Banc Corp. Annual Report 2018 Digging in for a bright future... OVB officers and community leaders break ground for OVB on the Square, August 7, 2018 A Message from Management Dear Neighbors and Friends, 2018 was certainly a formative year for your Company with a significant upgrade to our mobile banking platform and not one, but two, major construction projects b

March 18, 2019 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 March 18, 2019 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-K for the fiscal year ended December 31, 2018 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing an Annual Report on Form 10-K for the fiscal year e

March 18, 2019 EX-10.20

The Ohio Valley Bank Company Director Deferred Fee Agreements between Jeffrey E. Smith and The Ohio Valley Bank Company that include: Director Deferred Fee Agreement dated December 1, 1996, the First Amendment to the Director Deferred Fee Agreement, dated May 20, 2003, and the Second Amendment to the Director Deferred Fee Agreement dated March 29, 2018: Filed herewith.

EXHIBIT 10.20 THE OHIO VALLEY BANK COMPANY DIRECTOR DEFERRED FEE AGREEMENT THIS AGREEMENT is made this first day of December, 1996 by and between The Ohio Valley Bank Company (the "Company"), and Jeffrey E. Smith (the "Director"). INTRODUCTION To encourage the Director to remain a member of the Company's Board of Directors, the Company is willing to provide to the Director a deferred fee opportuni

March 18, 2019 EX-10.9

Summary of Bonus Program of Ohio Valley Banc Corp.: Filed herewith.

EXHIBIT 10.9 SUMMARY OF BONUS PROGRAM OF OHIO VALLEY BANC CORP. The following is a description of the Bonus Program (the "Bonus Program") of Ohio Valley Banc Corp. (the “Company”) provided pursuant to Item 601(b)(10)(iii) of Regulation S-K promulgated by the Securities and Exchange Commission, which requires a written description of a compensatory plan when no formal document contains the compensa

February 26, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 February 26, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File

February 12, 2019 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 February 12, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File

January 29, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 January 29, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File N

January 29, 2019 EX-99.1

Ohio Valley Banc Corp. Reports 4th Quarter and Record Fiscal Year Earnings

EXHIBIT 99.1 January 29, 2019 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 4th Quarter and Record Fiscal Year Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended December 31, 2019, of $3,856,000, an increase of $2,958,000 from the $898,000 earned for the fourth

January 25, 2019 SC 13G/A

OVBC / Ohio Valley Banc Corp. / OHIO VALLEY BANK Co - SCHEDULE 13 G/A AMENDMENT 6 AS OF 123118 Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 6 ) Ohio Valley Banc Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 677719106 (CUSIP Number) December 31, 2018 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is

January 18, 2019 SC 13G/A

OVBC / Ohio Valley Banc Corp. / Morris & Dorothy Haskins Foundation, Inc - SCHEDULE 13 G/A AMENDMENT 9 AS OF 123118 Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 9 ) Ohio Valley Banc Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 677719106 (CUSIP Number) December 31, 2018 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is

January 15, 2019 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 January 15, 2019 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File N

November 9, 2018 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 November 9, 2018 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the nine months ended September 30, 2018 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation ("Ohio Valley"), is today filing a Quarterly Report on Form 10-Q for the nine mon

November 9, 2018 10-Q

OVBC / Ohio Valley Banc Corp. FORM 10-Q AT 09/30/18 (Quarterly Report)

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CO

October 25, 2018 EX-99.1

Ohio Valley Banc Corp. Reports 3rd Quarter Earnings

EXHIBIT 99.1 October 25, 2018 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 3rd Quarter Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") reported consolidated net income for the quarter ended September 30, 2018, of $1,746,000, an increase of 5.6 percent from the $1,653,000 earned for the third quarter of 2017. Ear

October 25, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 October 25, 2018 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File N

October 16, 2018 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 October 16, 2018 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File N

August 9, 2018 10-Q

OVBC / Ohio Valley Banc Corp. FORM 10-Q AT 06/30/18 (Quarterly Report)

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP. (

August 9, 2018 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 August 9, 2018 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the six months ended June 30, 2018 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation ("Ohio Valley"), is today filing a Quarterly Report on Form 10-Q for the six months ended

July 26, 2018 EX-99.1

Ohio Valley Banc Corp. Reports 2nd Quarter Earnings

EXHIBIT 99.1 July 26, 2018 - For immediate release Contact: Scott Shockey, CFO (740) 446-2631 Ohio Valley Banc Corp. Reports 2nd Quarter Earnings GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") reported consolidated net income for the quarter ended June 30, 2018, of $2,976,000, an increase of 70.9 percent from the $1,741,000 earned for the second quarter of 2017. Earnings

July 26, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 26, 2018 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Numb

July 17, 2018 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 17, 2018 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Numb

May 21, 2018 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 May 16, 2018 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Numbe

May 10, 2018 10-Q

OVBC / Ohio Valley Banc Corp. FORM 10-Q AT 03/31/18 (Quarterly Report)

United States Securities and Exchange Commission Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-20914 OHIO VALLEY BANC CORP.

May 10, 2018 EX-4

Agreement to furnish instruments and agreements defining rights of holders of long-term debt: Filed herewith.

EXHIBIT 4 OHIO VALLEY BANC CORP. 420 Third Avenue Gallipolis, OH 45631 (740) 446-2631 May 10, 2018 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 RE: Ohio Valley Banc Corp. – Form 10-Q for the three months ended March 31, 2018 Gentlemen: Ohio Valley Banc Corp., an Ohio corporation ("Ohio Valley"), is today filing a Quarterly Report on Form 10-Q for the three months en

April 26, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 April 26, 2018 Date of Report (Date of earliest event reported) OHIO VALLEY BANC CORP. (Exact name of registrant as specified in its charter) Ohio (State or other jurisdiction of incorporation) 0-20914 31-1359191 (Commission File Num

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