{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-023050","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2024-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.041648+00:00","generated_at":"2026-05-31T18:59:58.995209+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Q2 net income $5.9M ($0.71 EPS) down 30% YoY; dividend $0.225/share","bullets":["Q2 net income $5.889M ($0.71 EPS), up from $5.727M ($0.69 EPS) prior Q, down from $8.404M ($1.02 EPS) year ago.","Net interest income $17.292M, margin 4.11% vs 4.09% prior Q; NIM down from 4.45% year ago.","Total loans $1.07B, up $119.5M YoY; deposits $1.64B, up $32.3M QoQ but down $37.6M YoY.","No non-performing assets; ACL 1.04% of loans; no provision for credit losses in Q2.","Declared $0.225/share dividend, payable Aug 9 to holders July 29, totaling ~$1.881M."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-023050","json":"https://secwatch.observer/filing/0001437749-24-023050.json","markdown":"https://secwatch.observer/filing/0001437749-24-023050.md","text":"https://secwatch.observer/filing/0001437749-24-023050.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774924023050/0001437749-24-023050-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774924023050/ovly20240718_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T18:59:58.995209+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"}