Oak Valley Bancorp

We are furnishing proxy materials to our shareholders primarily via the Internet. On or about May 4, 2026, we will mail our shareholders on the Record Date a Notice Regarding the Internet Availability of Proxy Materials (the “Proxy Notice”) containing instructions on how to access and review all of the important information contained in our proxy materials, including this proxy statement, our 2025 Annual Report to Shareholders, our Annual Report on Form 10-K for the year ended December 31, 2025 and the proxy card. These materials are also available free of charge on the Internet atwww.edocumentview.com/OVLY.

The Proxy Notice also provides information on how shareholders may obtain paper copies of our proxy materials if they so choose.