Oak Valley Bancorp Q4 EPS $0.76 vs $0.81 prior qtr; NPA rises to $4.6M; declares $0.375 dividend

Oak Valley Bancorp

2025-FY EPS reported $2.88

Q4 net income $6.335M ($0.76 diluted EPS) vs $6.693M ($0.81) prior qtr; full year $23.913M ($2.88) down 4.1% YoY.
Provision for credit losses $865K on collateral-dependent non-accrual loan; ACL ratio 1.08%.
Total assets reached $2.02B, up $122.5M from Dec 2024; gross loans $1.14B, deposits $1.79B.
Non-performing assets $4.6M (0.23% of assets) vs zero at prior year-end; one collateral-dependent loan.
Declared cash dividend of $0.375/share, record Feb 2, 2026, payable Feb 13, 2026.

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