---
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"
generated_at: "2026-05-31T18:59:58.995209+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Q2 net income $5.9M ($0.71 EPS) down 30% YoY; dividend $0.225/share

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-023050
- JSON: https://secwatch.observer/filing/0001437749-24-023050.json
- Plain text: https://secwatch.observer/filing/0001437749-24-023050.txt

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