---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-21-024133"
form_type: "8-K"
ticker: "OVLY"
cik: "0001431567"
company_name: "Oak Valley Bancorp"
filed_at: "2021-10-22T23:59:59+00:00"
generated_at: "2026-06-28T18:46:55.196295+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Q3 2021 net income rises to $4.55M ($0.56 EPS); NPAs zero

## Summary
- Q3 net income $4.55M ($0.56 diluted EPS) vs $3.96M ($0.48) prior quarter and $3.75M ($0.46) year ago.
- Nine-month net income $12.87M ($1.57 EPS), up 42.4% from $9.04M ($1.11) in 2020.
- PPP loan interest and fees $2.68M in Q3, up from $2.20M prior quarter; outstanding PPP loans $67M as of Sep 30.
- Non-performing assets reduced to zero; no loan loss provision in Q3 or YTD.
- Total assets $1.86B (+$407.7M YoY); deposits $1.70B (+$390M YoY); gross loans $872.1M (-$154.7M YoY).

## SEC filing metadata
- accession: 0001437749-21-024133
- form_type: 8-K
- ticker: OVLY
- cik: 0001431567
- company_name: Oak Valley Bancorp
- filed_at: 2021-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1431567/000143774921024133/0001437749-21-024133-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1431567/000143774921024133/ovly20211021_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-21-024133
- JSON: https://secwatch.observer/filing/0001437749-21-024133.json
- Plain text: https://secwatch.observer/filing/0001437749-21-024133.txt

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