---
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"
generated_at: "2026-06-23T01:54:29.054470+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Q3 net income $6.8M ($0.83 EPS), up 49% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-22-024504
- JSON: https://secwatch.observer/filing/0001437749-22-024504.json
- Plain text: https://secwatch.observer/filing/0001437749-22-024504.txt

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