---
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"
generated_at: "2026-05-18T04:59:26.696094+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Q2 net income $5.6M ($0.67 EPS); dividend $0.30/share

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023086
- JSON: https://secwatch.observer/filing/0001437749-25-023086.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023086.txt

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