---
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"
generated_at: "2026-06-27T16:12:22.350187+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Q4 net income $3.5M ($0.42 EPS); declares $0.15 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-22-001479
- JSON: https://secwatch.observer/filing/0001437749-22-001479.json
- Plain text: https://secwatch.observer/filing/0001437749-22-001479.txt

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