---
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"
generated_at: "2026-05-17T02:29:05.910249+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Q3 net income $6.7M ($0.81 EPS), up 20% from Q2 but down 9% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-031607
- JSON: https://secwatch.observer/filing/0001437749-25-031607.json
- Plain text: https://secwatch.observer/filing/0001437749-25-031607.txt

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