---
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"
generated_at: "2026-05-27T09:11:16.644547+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Reports Q4 2024 Net Income of $6.0M and Declares $0.30 Dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-001907
- JSON: https://secwatch.observer/filing/0001437749-25-001907.json
- Plain text: https://secwatch.observer/filing/0001437749-25-001907.txt

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