{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-001479","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2022-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:04:06.450458+00:00","generated_at":"2026-06-27T16:12:22.350187+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Oak Valley Bancorp Q4 net income $3.5M ($0.42 EPS); declares $0.15 dividend","bullets":["Q4 net income $3.5M down from $4.6M in Q3 and $4.6M in Q4 2020; full-year net income $16.3M up 19.4%.","Diluted EPS Q4 $0.42 vs $0.56 in Q3; full year $2.00 vs $1.68 in 2020.","Net interest margin 2.55% in Q4 vs 3.49% a year ago; PPP fee income declined to $1.25M.","Board declared $0.15 per share cash dividend payable Feb 11, 2022 to holders of record Jan 31.","Non-performing assets remained at zero; allowance for loan losses at 1.25% of gross loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-001479","json":"https://secwatch.observer/filing/0001437749-22-001479.json","markdown":"https://secwatch.observer/filing/0001437749-22-001479.md","text":"https://secwatch.observer/filing/0001437749-22-001479.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774922001479/0001437749-22-001479-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774922001479/ovly20220121_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T16:12:22.350187+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"}