secwatch.observer — SEC 8-K summary
======================================

Issuer:     Oak Valley Bancorp (OVLY)
CIK:        0001431567
Form:       8-K
Filed at:   2025-04-21T23:59:59+00:00
Accession:  0001437749-25-012483
Event type: earnings
Sentiment:  negative
Materiality: 0.50
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1431567/000143774925012483/0001437749-25-012483-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1431567/000143774925012483/ovly20250418_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-012483

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer