{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-009569","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2022-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:04:00.686129+00:00","generated_at":"2026-06-26T05:01:02.191051+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Oak Valley Bancorp Q1 net income $2.37M ($0.29 EPS), down 46% YoY from $0.53 EPS","bullets":["Net income $2.37M ($0.29 diluted EPS) vs $4.36M ($0.53) a year ago; sequential decline from $3.47M ($0.42).","Net interest margin compressed to 2.51% from 3.43% YoY; PPP loan fee income fell to $487K from $2.59M.","Total assets $1.95B, deposits $1.80B; non-performing assets remain at zero.","No provision for loan losses in Q1; allowance for loan losses at 1.25% of gross loans.","Loan growth ex-PPP of $47.2M and investment portfolio growth of $133.5M over 12 months."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-009569","json":"https://secwatch.observer/filing/0001437749-22-009569.json","markdown":"https://secwatch.observer/filing/0001437749-22-009569.md","text":"https://secwatch.observer/filing/0001437749-22-009569.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774922009569/0001437749-22-009569-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774922009569/ovly20220421_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T05:01:02.191051+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"}