Oak Valley Bancorp

For the period ended Dec 31, 2024. Filed Mar 31, 2025.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2024 · Filed Mar 31, 2025

OVLY$34.68+1.0%Stored close · as of Nov 9, 2026

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Contents

Balance sheets

CONSOLIDATED BALANCE SHEETS

(dollars in thousands)	December 31,	December 31,
	2024	2023
ASSETS
Cash and due from banks	$138,481	$180,068
Federal funds sold	30,270	36,500
Cash and cash equivalents	168,751	216,568
Securities - available for sale	526,496	518,078
Securities - equity investments	3,169	3,132
Loans, net of allowance for credit losses of $11,460 and $10,896 at December 31, 2024 and 2023, respectively	1,093,514	1,004,277
Cash surrender value of life insurance	37,558	31,506
Bank premises and equipment, net	16,319	15,865
Goodwill and other intangible assets, net	3,390	3,473
Deferred tax asset	15,501	13,247
Interest receivable and other assets	35,906	36,276
	$1,900,604	$1,842,422
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	$1,695,690	$1,650,534
Interest payable and other liabilities	21,478	25,796
Total liabilities	1,717,168	1,676,330
Commitments and contingent liabilities (Note 13)
Shareholders’ equity
Common stock, no par value; 50,000,000 shares authorized, 8,357,211 and 8,293,168 shares issued and outstanding at December 31, 2024 and 2023, respectively	25,435	25,435
Additional paid-in capital	6,199	5,512
Retained earnings	175,502	154,301
Accumulated other comprehensive loss, net of tax	(23,700)	(19,156)
Total shareholders’ equity	183,436	166,092
	$1,900,604	$1,842,422

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.