Oak Valley Bancorp

For the period ended Dec 31, 2025. Filed Mar 25, 2026.

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.

FY2025 · Filed Mar 25, 2026

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,
	2025	2024
ASSETS
Cash and due from banks	$203,099	$138,481
Federal funds sold	29,080	30,270
Cash and cash equivalents	232,179	168,751
Securities - available for sale	543,532	526,496
Securities - equity investments	3,424	3,169
Loans, net of allowance for credit losses of $12,381 and $11,460 at December 31, 2025 and 2024, respectively	1,129,606	1,093,514
Cash surrender value of life insurance	36,899	37,558
Bank premises and equipment, net	19,047	16,319
Goodwill and other intangible assets, net	3,313	3,390
Deferred tax asset	13,578	15,501
Interest receivable and other assets	41,538	35,906
	$2,023,116	$1,900,604
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	$1,792,962	$1,695,690
Interest payable and other liabilities	22,179	21,478
Total liabilities	1,815,141	1,717,168
Commitments and contingent liabilities (Note 12)
Shareholders’ equity
Common stock, no par value; 50,000,000 shares authorized, 8,388,221 and 8,357,211 shares issued and outstanding at December 31, 2025 and 2024, respectively	25,435	25,435
Additional paid-in capital	6,819	6,199
Retained earnings	194,393	175,502
Accumulated other comprehensive loss, net of tax	(18,672)	(23,700)
Total shareholders’ equity	207,975	183,436
	$2,023,116	$1,900,604

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.