{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-21-017367","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2021-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:04:18.084383+00:00","generated_at":"2026-06-30T03:16:15.998614+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Oak Valley Bancorp Q2 net income $3.96M ($0.48 EPS); declares $0.145 dividend","bullets":["Net income $3.96M ($0.48 diluted EPS) vs $4.36M ($0.53) prior Q and $2.58M ($0.32) year ago.","Net interest income $11.99M, NIM 3.09% (down from 3.43% prior Q); PPP fee income declined to $2.2M.","Total assets $1.76B (+$99M QoQ), deposits $1.61B (+$97M); gross loans down $85M on PPP forgiveness.","Non-performing assets flat at $362K (0.02% of assets); no provision for loan losses recorded.","Board declared $0.145/share cash dividend payable Aug 13, 2021 to holders of record Aug 2, 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-21-017367","json":"https://secwatch.observer/filing/0001437749-21-017367.json","markdown":"https://secwatch.observer/filing/0001437749-21-017367.md","text":"https://secwatch.observer/filing/0001437749-21-017367.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774921017367/0001437749-21-017367-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774921017367/ovly20210721_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T03:16:15.998614+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}