4 unchanged sentences
and Point Pleasant and Mason (Mason Co.), and Milton and Barboursville (Cabell Co.) in West
−Removed: The Bank leases five additional financial service centers located in Gallipolis (Gallia Co.), Athens (Athens Co.), and Ironton (Lawrence Co.) in Ohio;
−Removed: and Point Pleasant (Mason Co.) in West Virginia.
−Removed: The Bank also owns and operates
−Removed: thirty-eight ATMs, including twenty-one off-site ATMs.
−Removed: Furthermore, the Bank owns four facilities in Gallipolis (Gallia Co.), Ohio, which are used for additional office space.
−Removed: The Bank also owns a facility in Gallipolis (Gallia Co.) in Ohio;
−Removed: a facility in Point Pleasant (Mason Co.) in West Virginia, which are all leased to third parties.
+Added: The Bank leases six additional financial service centers located in Gallipolis (Gallia Co.), Athens (Athens Co.), and Ironton (Lawrence Co.) in Ohio;
+Added: and Point Pleasant (Mason Co.), and Parkersburg (Wood Co.) in West Virginia.
+Added: The Bank also
+Added: owns and operates thirty-seven ATMs, including twenty-one off-site ATMs.
+Added: Furthermore, the Bank owns three facilities in Gallipolis (Gallia Co.), Ohio, which are used for additional office space.
+Added: The Bank also owns a facility in Gallipolis (Gallia
+Added: Co.) in Ohio;
+Added: and a facility in Point Pleasant (Mason Co.) in West Virginia, which are all leased to third parties.
Loan Central conducts its consumer finance operations through six offices located in Gallipolis (Gallia Co.), Jackson (Jackson Co.),
3 unchanged sentences
Management considers all of these properties to be satisfactory for the Company’s current operations.
−Removed: The Bank and Loan Centrals’
−Removed: leased facilities are all subject to commercially standard leasing arrangements.
+Added: The Bank and Loan Central’s leased
+Added: facilities are all subject to commercially standard leasing arrangements.
Information concerning the value of the Company’s owned and leased real property and a summary of future lease payments is contained in
“Note D – Premises and Equipment” and “Note E – Leases” of the notes to the Company’s financial statements for the fiscal year ended December 31, 2025, located in Ohio Valley’s 2025 Annual Report to Shareholders.
−Removed: ITEM 3 – LEGAL PROCEEDINGS
−Removed: From time to time, the Company may be involved in various claims and legal actions in the ordinary course of business.
−Removed: The Company is
−Removed: not currently involved in any material legal proceedings outside the ordinary course of the Company’s business.
−Removed: ITEM 4 – MINE SAFETY DISCLOSURES
−Removed: Not applicable.
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.