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

Statements of income

CONSOLIDATED STATEMENTS OF INCOME

(dollars in thousands, except per share amounts)	YEAR ENDED DECEMBER 31,
	2025	2024
INTEREST INCOME
Interest and fees on loans	$58,346	$53,406
Interest on securities	21,429	20,693
Interest on federal funds sold	1,343	1,547
Interest on deposits with banks	6,804	7,248
Total interest income	87,922	82,894
INTEREST EXPENSE
Deposits	13,307	12,860
Total interest expense	13,307	12,860
Net interest income	74,615	70,034
Provision for (reversal of) credit losses	805	(1,620)
Net interest income after provision for (reversal of) credit losses	73,810	71,654
NON-INTEREST INCOME
Service charges on deposits	1,785	1,682
Debit card transaction fee income	1,673	1,738
Earnings on cash surrender value of life insurance	1,197	1,052
Mortgage commissions	33	31
(Loss) gain on sales and calls of available-for-sale securities	(4)	114
Other	2,430	1,938
Total non-interest income	7,114	6,555
NON-INTEREST EXPENSE
Salaries and employee benefits	30,839	28,640
Occupancy expenses	4,744	4,610
Data processing fees	3,029	2,814
Regulatory assessments	1,120	1,090
Other operating expenses	10,542	8,863
Total non-interest expense	50,274	46,017
Net income before provision for income taxes	30,650	32,192
Total provision for income taxes	6,737	7,244
Net Income	$23,913	$24,948
Net income per share	$2.90	$3.04
Net income per diluted share	$2.88	$3.02

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.