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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

9 Months Ended

Sep. 30, 2025

LOANS AND ALLOWANCE FOR CREDIT LOSSES [Abstract]

Portfolio Loans

Loans are comprised of the following:

		September 30, 2025				December 31, 2024
Residential real estate		$	373,706			$	373,534
Commercial real estate:
Owner-occupied			109,180				86,471
Nonowner-occupied			257,114				206,847
Construction			76,213				79,669
Commercial and industrial			172,369				158,440
Consumer:
Automobile			39,506				50,246
Home equity			47,367				42,473
Other			55,079				64,145
			1,130,534				1,061,825
Less:  Allowance for credit losses			(11,420	)			(10,088	)
Loans, net		$	1,119,114			$	1,051,737

Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans

The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of September 30, 2025 and December 31, 2024:

September 30, 2025		Loans Past Due 90 Days And Still Accruing				Nonaccrual Loans With No ACL				Nonaccrual Loans With an ACL				Total Nonaccrual Loans
Residential real estate		$	14			$	324			$	1,791			$	2,115
Commercial real estate:
Owner-occupied			—				679				—				679
Nonowner-occupied			—				—				232				232
Construction			—				—				—				—
Commercial and industrial			—				942				10				952
Consumer:
Automobile			66				—				225				225
Home equity			—				25				297				322
Other			26				—				127				127
Total		$	106			$	1,970			$	2,682			$	4,652

December 31, 2024		Loans Past Due 90 Days And Still Accruing				Nonaccrual Loans With No ACL				Nonaccrual Loans With an ACL				Total Nonaccrual Loans
Residential real estate		$	49			$	—			$	1,931			$	1,931
Commercial real estate:
Owner-occupied			—				680				136				816
Nonowner-occupied			—				—				158				158
Construction			—				—				—				—
Commercial and industrial			—				962				90				1,052
Consumer:
Automobile			39				—				379				379
Home equity			—				26				338				364
Other			28				—				117				117
Total		$	116			$	1,668			$	3,149			$	4,817

Aging of Recorded Investment in Past Due Loans by Class of Loans

The following table presents the aging of the recorded investment of past due loans by class of loans as of September 30, 2025 and December 31, 2024:

September 30, 2025		30-59 Days Past Due				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	1,408			$	2,061			$	1,074			$	4,543			$	369,163			$	373,706
Commercial real estate:
Owner-occupied			-				208				679				887				108,293				109,180
Nonowner-occupied			664				—				103				767				256,347				257,114
Construction			5,934				—				—				5,934				70,279				76,213
Commercial and industrial			5,519				371				677				6,567				165,802				172,369
Consumer:
Automobile			682				217				141				1,040				38,466				39,506
Home equity			204				130				150				484				46,883				47,367
Other			336				180				105				621				54,458				55,079
Total		$	14,747			$	3,167			$	2,929			$	20,843			$	1,109,691			$	1,130,534

December 31, 2024		30-59 Days Past Due				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	3,294			$	1,097			$	984			$	5,375			$	368,159			$	373,534
Commercial real estate:
Owner-occupied			773				—				816				1,589				84,882				86,471
Nonowner-occupied			2,294				—				—				2,294				204,553				206,847
Construction			—				—				—				—				79,669				79,669
Commercial and industrial			533				58				745				1,336				157,104				158,440
Consumer:
Automobile			791				414				349				1,554				48,692				50,246
Home equity			402				141				243				786				41,687				42,473
Other			716				260				98				1,074				63,071				64,145
Total		$	8,803			$	1,970			$	3,235			$	14,008			$	1,047,817			$	1,061,825

Risk Category Loans by Class of Loans

As of September 30, 2025 and December 31, 2024, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows:

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
September 30, 2025		2025				2024				2023				2022				2021				Prior				Cost Basis				Total
Commercial real estate:
Owner-occupied
Risk Rating
Pass		$	26,575			$	13,950			$	18,828			$	6,522			$	5,374			$	15,758			$	1,639			$	88,646
Special Mention			—				—				—				—				12,413				—				—				12,413
Substandard			—				70				—				—				4,192				2,060				1,799				8,121
Doubtful			—				—				—				—				—				—				—				—
Total		$	26,575			$	14,020			$	18,828			$	6,522			$	21,979			$	17,818			$	3,438			$	109,180
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
September 30, 2025		2025				2024				2023				2022				2021				Prior				Cost Basis				Total
Commercial real estate:
Nonowner-occupied
Risk Rating
Pass		$	34,803			$	37,770			$	28,178			$	37,938			$	29,572			$	76,018			$	6,795			$	251,074
Special Mention			—				—				1,613				—				—				—				—				1,613
Substandard			—				216				—				971				—				3,240				—				4,427
Doubtful			—				—				—				—				—				—				—				—
Total		$	34,803			$	37,986			$	29,791			$	38,909			$	29,572			$	79,258			$	6,795			$	257,114
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
September 30, 2025		2025				2024				2023				2022				2021				Prior				Cost Basis				Total
Commercial real estate:
Construction
Risk Rating
Pass		$	23,347			$	11,554			$	13,575			$	14,196			$	1,073			$	2,434			$	3,045			$	69,224
Special Mention			—				—				—				5,934				—				24				412				6,370
Substandard			—				—				619				—				—				—				—				619
Doubtful			—				—				—				—				—				—				—				—
Total		$	23,347			$	11,554			$	14,194			$	20,130			$	1,073			$	2,458			$	3,457			$	76,213
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
September 30, 2025		2025				2024				2023				2022				2021				Prior				Cost Basis				Total
Commercial and Industrial
Risk Rating
Pass		$	18,884			$	14,313			$	6,467			$	21,614			$	23,831			$	44,074			$	28,281			$	157,464
Special Mention			—				—				—				—				—				—				3,279				3,279
Substandard			—				1,339				135				34				163				6,300				3,655				11,626
Doubtful			—				—				—				—				—				—				—				—
Total		$	18,884			$	15,652			$	6,602			$	21,648			$	23,994			$	50,374			$	35,215			$	172,369
Current Period gross charge-offs		$	—			$	45			$	—			$	12			$	58			$	—			$	45			$	160

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				Cost Basis				Total
Commercial real estate:
Owner-occupied
Risk Rating
Pass		$	13,762			$	17,199			$	7,441			$	10,094			$	4,787			$	16,336			$	583			$	70,202
Special Mention			—				—				—				12,896				—				1,415				299				14,610
Substandard			79				—				—				—				136				844				600				1,659
Doubtful			—				—				—				—				—				—				—				—
Total		$	13,841			$	17,199			$	7,441			$	22,990			$	4,923			$	18,595			$	1,482			$	86,471
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				Cost Basis				Total
Commercial real estate:
Nonowner-occupied
Risk Rating
Pass		$	35,216			$	11,377			$	30,773			$	31,465			$	19,351			$	66,312			$	6,172			$	200,666
Special Mention			—				1,636				—				—				—				—				—				1,636
Substandard			220				—				996				—				3,329				—				—				4,545
Doubtful			—				—				—				—				—				—				—				—
Total		$	35,436			$	13,013			$	31,769			$	31,465			$	22,680			$	66,312			$	6,172			$	206,847
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				Cost Basis				Total
Commercial real estate:
Construction
Risk Rating
Pass		$	13,865			$	33,162			$	27,678			$	1,111			$	266			$	2,647			$	93			$	78,822
Special Mention			—				—				—				—				—				38				—				38
Substandard			—				638				—				—				—				171				—				809
Doubtful			—				—				—				—				—				—				—				—
Total		$	13,865			$	33,800			$	27,678			$	1,111			$	266			$	2,856			$	93			$	79,669
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				Cost Basis				Total
Commercial and Industrial
Risk Rating
Pass		$	17,260			$	7,875			$	24,843			$	25,894			$	20,648			$	25,593			$	21,785			$	143,898
Special Mention			446				—				—				—				—				178				6,476				7,100
Substandard			2,039				226				60				480				205				—				4,432				7,442
Doubtful			—				—				—				—				—				—				—				—
Total		$	19,745			$	8,101			$	24,903			$	26,374			$	20,853			$	25,771			$	32,693			$	158,440
Current Period gross charge-offs		$	219			$	—			$	—			$	1			$	—			$	—			$	1			$	221

Recorded Investment of Residential and Consumer Loans

The Company considers the performance of the loan portfolio and its impact on the ACL. For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on repayment activity as of September 30, 2025 and  December 31, 2024:

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
September 30, 2025		2025				2024				2023				2022				2021				Prior				Cost Basis				Total
Residential Real Estate
Payment Performance
Performing		$	50,708			$	62,056			$	53,701			$	36,550			$	42,884			$	123,954			$	1,724			$	371,577
Nonperforming			—				324				218				445				28				1,114				—				2,129
Total		$	50,708			$	62,380			$	53,919			$	36,995			$	42,912			$	125,068			$	1,724			$	373,706
Current Period gross charge-offs		$	—			$	100			$	—			$	15			$	23			$	15			$	—			$	153

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
September 30, 2025		2025				2024				2023				2022				2021				Prior				Cost Basis				Total
Consumer:
Automobile
Payment Performance
Performing		$	8,038			$	8,957			$	11,565			$	8,050			$	2,052			$	553			$	—			$	39,215
Nonperforming			15				108				61				100				2				5				—				291
Total		$	8,053			$	9,065			$	11,626			$	8,150			$	2,054			$	558			$	—			$	39,506
Current Period gross charge-offs		$	8			$	217			$	275			$	94			$	7			$	16			$	—			$	617

																									Revolving
																									Loans
	Term Loans Amortized Cost Basis by Origination Year																								Amortized
September 30, 2025	2025				2024					2023				2022			2021				Prior				Cost Basis					Total
Consumer:
Home Equity
Payment Performance
Performing		$	40			$	—			$	—			$	—			$	—			$	—			$	47,005			$	47,045
Nonperforming			—				—				—				—				—				—				322				322
Total		$	40			$	—			$	—			$	—			$	—			$	—			$	47,327			$	47,367
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	31			$	31

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
September 30, 2025		2025				2024				2023				2022				2021				Prior				Cost Basis				Total
Consumer:
Other
Payment Performance
Performing		$	9,596			$	13,705			$	6,866			$	5,536			$	4,075			$	1,798			$	13,350			$	54,926
Nonperforming			2				33				44				29				24				21				—				153
Total		$	9,598			$	13,738			$	6,910			$	5,565			$	4,099			$	1,819			$	13,350			$	55,079
Current Period gross charge-offs		$	275			$	74			$	125			$	51			$	59			$	28			$	290			$	902

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				Cost Basis				Total
Residential Real Estate
Payment Performance
Performing		$	57,385			$	57,546			$	40,026			$	46,067			$	38,969			$	98,084			$	33,477			$	371,554
Nonperforming			—				234				435				83				54				1,174				—				1,980
Total		$	57,385			$	57,780			$	40,461			$	46,150			$	39,023			$	99,258			$	33,477			$	373,534
Current Period gross charge-offs		$	—			$	—			$	15			$	—			$	—			$	27			$	—			$	42

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				Cost Basis				Total
Consumer:
Automobile
Payment Performance
Performing		$	13,643			$	18,133			$	12,693			$	3,686			$	1,268			$	405			$	—			$	49,828
Nonperforming			145				162				77				12				5				17				—				418
Total		$	13,788			$	18,295			$	12,770			$	3,698			$	1,273			$	422			$	—			$	50,246
Current Period gross charge-offs		$	91			$	364			$	232			$	34			$	22			$	7			$	—			$	750

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				Cost Basis				Total
Consumer:
Home Equity
Payment Performance
Performing		$	317			$	—			$	61			$	152			$	—			$	—			$	41,579			$	42,109
Nonperforming			—				—				—				—				—				—				364				364
Total		$	317			$	—			$	61			$	152			$	—			$	—			$	41,943			$	42,473
Current Period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—

																										Revolving
																										Loans
		Term Loans Amortized Cost Basis by Origination Year																								Amortized
December 31, 2024		2024				2023				2022				2021				2020				Prior				Cost Basis				Total
Consumer:
Other
Payment Performance
Performing		$	13,110			$	18,442			$	8,768			$	6,580			$	2,367			$	973			$	13,760			$	64,000
Nonperforming			3				50				14				46				25				7				—				145
Total		$	13,113			$	18,492			$	8,782			$	6,626			$	2,392			$	980			$	13,760			$	64,145
Current Period gross charge-offs		$	443			$	192			$	156			$	107			$	52			$	29			$	495			$	1,474

Activity in Allowance for Loan Losses by Portfolio Segment

The following table presents the activity in the ACL by portfolio segment for the three months ended September 30, 2025 and 2024:

September 30, 2025		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for credit losses:
Beginning balance		$	2,873			$	4,228			$	1,835			$	1,920			$	10,856
Provision for credit losses			141				500				(53	)			344				932
Loans charged-off			(137	)			—				—				(413	)			(550	)
Recoveries			40				-				3				139				182
Total ending allowance balance		$	2,917			$	4,728			$	1,785			$	1,990			$	11,420

September 30, 2024		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for credit losses:
Beginning balance		$	2,350			$	3,491			$	1,393			$	2,197			$	9,431
Provision for credit losses			(98	)			133				620				328				983
Loans charged-off			-				—				(112	)			(611	)			(723	)
Recoveries			10				9				10				199				228
Total ending allowance balance		$	2,262			$	3,633			$	1,911			$	2,113			$	9,919

The following table presents the activity in the ACL by portfolio segment for the nine months ended September 30, 2025 and 2024:

September 30, 2025		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for credit losses:
Beginning balance		$	2,684			$	3,653			$	1,536			$	2,215			$	10,088
Provision for credit losses			308				1,057				290				786				2,441
Loans charged-off			(153	)			—				(160	)			(1,550	)			(1,863	)
Recoveries			78				18				119				539				754
Total ending allowance balance		$	2,917			$	4,728			$	1,785			$	1,990			$	11,420

September 30, 2024		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for credit losses:
Beginning balance		$	2,213			$	3,047			$	1,275			$	2,232			$	8,767
Provision for credit losses			25				553				376				1,024				1,978
Loans charged-off			(37	)			—				(221	)			(1,614	)			(1,872	)
Recoveries			61				33				481				471				1,046
Total ending allowance balance		$	2,262			$	3,633			$	1,911			$	2,113			$	9,919

Amortized Cost of Collateral Dependent Loans, by Class

The following table presents the amortized cost basis of collateral dependent loans by class of loans as of September 30, 2025 and December 31, 2024:

		Collateral Type
September 30, 2025		Real Estate				Business Assets				Total
Residential real estate		$	1,305			$	551			$	1,856
Commercial real estate:
Owner-occupied			4,955				140				5,095
Non-owner-occupied			1,382				—				1,382
Construction			619				—				619
Commercial and Industrial			1,541				3,922				5,463
Consumer:
Automobile			—				19				19
Home equity			75				—				75
Other			43				20				63
Total collateral dependent loans		$	9,920			$	4,652			$	14,572

		Collateral Type
December 31, 2024		Real Estate				Business Assets				Total
Residential real estate		$	569			$	—			$	569
Commercial real estate:
Owner-occupied			804				140				944
Non-owner-occupied			110				—				110
Construction			637				—				637
Commercial & Industrial			285				3,044				3,329
Consumer:
Automobile			—				38				38
Home equity			50				26				76
Other			—				81				81
Total collateral dependent loans		$	2,455			$	3,329			$	5,784

X

- Definition

Tabular disclosure of amortized cost of collateral-dependent loans of different classes.

+ References

No definition available.

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- Definition

Tabular disclosure of recorded investment of residential and consumer loans by class of loans based on repayment activity.

+ References

No definition available.

+ Details

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Namespace Prefix:	ovbc_
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X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

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Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

+ Details

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Balance Type:	na
Period Type:	duration

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- References

No definition available.

+ Details

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Data Type:	xbrli:stringItemType
Balance Type:	na
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X

- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(4))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(3))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

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Data Type:	dtr-types:textBlockItemType
Balance Type:	na
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X

- Definition

Tabular disclosure of allowance for credit loss of financing receivable, classified as current.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

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Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

+ Details

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Namespace Prefix:	us-gaap_
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Balance Type:	na
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