---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-22-017575"
form_type: "8-K"
ticker: "OVLY"
cik: "0001431567"
company_name: "Oak Valley Bancorp"
filed_at: "2022-07-22T23:59:59+00:00"
generated_at: "2026-06-24T09:31:10.376451+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Q2 net income $4.26M ($0.52 EPS); NIM 2.98%; declares $0.15 dividend

## Summary
- Q2 net income $4,258,000 ($0.52 EPS) vs $2,369,000 ($0.29) prior quarter and $3,960,000 ($0.48) year-ago.
- Net interest margin expanded to 2.98% in Q2 from 2.51% prior quarter, driven by loan/investment growth and higher yields.
- Total assets $1.99B, gross loans $907.6M (+$48.9M QoQ), deposits $1.85B (+$53.2M QoQ).
- No provision for loan losses recorded; non-performing assets remained at zero during Q2.
- Board declared $0.15 per share cash dividend, payable Aug 12, 2022 to holders of record Aug 1.

## SEC filing metadata
- accession: 0001437749-22-017575
- form_type: 8-K
- ticker: OVLY
- cik: 0001431567
- company_name: Oak Valley Bancorp
- filed_at: 2022-07-22T23:59:59+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/1431567/000143774922017575/0001437749-22-017575-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1431567/000143774922017575/ovly20220721_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-22-017575
- JSON: https://secwatch.observer/filing/0001437749-22-017575.json
- Plain text: https://secwatch.observer/filing/0001437749-22-017575.txt

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