---
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"
generated_at: "2026-05-23T10:06:25.947440+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Q1 2025 EPS $0.64, down from $0.69 YoY; net income $5.3M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-012483
- JSON: https://secwatch.observer/filing/0001437749-25-012483.json
- Plain text: https://secwatch.observer/filing/0001437749-25-012483.txt

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