{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-001907","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2025-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.613267+00:00","generated_at":"2026-05-27T09:11:16.644547+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Oak Valley Bancorp Reports Q4 2024 Net Income of $6.0M and Declares $0.30 Dividend","bullets":["Net income for Q4 2024 was $6,008,000 or $0.73 per diluted share, down from $7,324,000 in the prior quarter.","Full year 2024 net income totaled $24,948,000 or $3.02 per share, a 19.1% decrease from $30,848,000 in 2023.","Gross loans increased $90.0 million year-over-year to $1.11 billion; deposits rose $45.2 million to $1.70 billion.","Non-performing assets remained at zero as of December 31, 2024, consistent with all of 2024 and 2023.","Board declared a cash dividend of $0.30 per share, payable February 14, 2025 to shareholders of record February 3, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-001907","json":"https://secwatch.observer/filing/0001437749-25-001907.json","markdown":"https://secwatch.observer/filing/0001437749-25-001907.md","text":"https://secwatch.observer/filing/0001437749-25-001907.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774925001907/0001437749-25-001907-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774925001907/ovly20250127_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-27T09:11:16.644547+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"}