secwatch.observer — SEC 8-K summary
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Issuer:     Oak Valley Bancorp (OVLY)
CIK:        0001431567
Form:       8-K
Filed at:   2025-10-23T23:59:59+00:00
Accession:  0001437749-25-031607
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1431567/000143774925031607/0001437749-25-031607-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1431567/000143774925031607/ovly20251022_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-031607

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