{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-012483","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2025-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.277448+00:00","generated_at":"2026-05-23T10:06:25.947440+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Oak Valley Bancorp Q1 2025 EPS $0.64, down from $0.69 YoY; net income $5.3M","bullets":["Diluted EPS $0.64, net income $5.3M, vs $0.73 prior qtr and $0.69 YoY.","Net interest margin 4.09% vs 4.00% prior qtr; cost of funds fell to 0.79%.","Non-interest expense rose to $12.6M from $11.5M prior qtr due to staffing and operating costs.","Gross loans $1.09B, down $15.6M from Dec 31; deposits $1.71B, up $17.9M.","Non-performing assets zero; ACL at 1.05% stable."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-012483","json":"https://secwatch.observer/filing/0001437749-25-012483.json","markdown":"https://secwatch.observer/filing/0001437749-25-012483.md","text":"https://secwatch.observer/filing/0001437749-25-012483.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774925012483/0001437749-25-012483-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774925012483/ovly20250418_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T10:06:25.947440+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"}