{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-031607","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.395207+00:00","generated_at":"2026-05-17T02:29:05.910249+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Oak Valley Bancorp Q3 net income $6.7M ($0.81 EPS), up 20% from Q2 but down 9% YoY","bullets":["Q3 net income $6,693,000 ($0.81 diluted EPS) vs. $5,588,000 ($0.67) in Q2 and $7,324,000 ($0.89) year ago.","Net interest margin improved to 4.16% from 4.11% in Q2; net interest income $19.2M.","Total assets reached $2.00B, up $74.5M from Q2; gross loans $1.11B, deposits $1.77B.","Non-performing assets remained at zero; allowance for credit losses at 1.03% of loans.","Opened 19th full-service branch in Lodi on Oct 2, 2025; added six full-time employees in Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-031607","json":"https://secwatch.observer/filing/0001437749-25-031607.json","markdown":"https://secwatch.observer/filing/0001437749-25-031607.md","text":"https://secwatch.observer/filing/0001437749-25-031607.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774925031607/0001437749-25-031607-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774925031607/ovly20251022_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:29:05.910249+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"}