{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-024504","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2022-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.634652+00:00","generated_at":"2026-06-23T01:54:29.054470+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Oak Valley Bancorp Q3 net income $6.8M ($0.83 EPS), up 49% YoY","bullets":["Net income $6.8M ($0.83 diluted EPS) vs $4.6M ($0.56) in Q3 2021; nine-month net income $13.4M ($1.64 EPS).","Net interest income $16.8M, up 26% sequentially; net interest margin expanded to 3.61% from 2.98%.","Total assets $1.96B; gross loans $912M; deposits $1.83B; non-performing assets remained at zero.","Allowance for loan losses 1.21% of gross loans; $200K provision added during the quarter.","YTD investment portfolio grew by $315M and loan portfolio by $52M, benefiting from FOMC rate hikes."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-024504","json":"https://secwatch.observer/filing/0001437749-22-024504.json","markdown":"https://secwatch.observer/filing/0001437749-22-024504.md","text":"https://secwatch.observer/filing/0001437749-22-024504.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774922024504/0001437749-22-024504-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774922024504/ovly20221020_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:54:29.054470+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"}