---
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"
generated_at: "2026-06-30T03:16:15.998614+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Q2 net income $3.96M ($0.48 EPS); declares $0.145 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-21-017367
- JSON: https://secwatch.observer/filing/0001437749-21-017367.json
- Plain text: https://secwatch.observer/filing/0001437749-21-017367.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.