{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-023086","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2025-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.977937+00:00","generated_at":"2026-05-18T04:59:26.696094+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Oak Valley Bancorp Q2 net income $5.6M ($0.67 EPS); dividend $0.30/share","bullets":["Net income $5.588M ($0.67 diluted EPS) vs $5.889M ($0.71) a year ago; net interest income $18.154M.","Gross loans grew $18.9M in Q2 to $1.11B; net interest margin stable at 4.11%.","Non-performing assets remain at zero; no provision for credit losses recorded.","Cash dividend of $0.30/share declared, payable Aug 8 to holders of record Jul 28.","Total deposits $1.71B, up $66.5M YoY; cash and equivalents $198.9M at quarter-end."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-023086","json":"https://secwatch.observer/filing/0001437749-25-023086.json","markdown":"https://secwatch.observer/filing/0001437749-25-023086.md","text":"https://secwatch.observer/filing/0001437749-25-023086.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774925023086/0001437749-25-023086-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774925023086/ovly20250718_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:59:26.696094+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"}