{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-002038","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2026-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.066729+00:00","generated_at":"2026-05-16T07:53:22.260387+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Oak Valley Bancorp Q4 EPS $0.76 vs $0.81 prior qtr; NPA rises to $4.6M; declares $0.375 dividend","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-002038","json":"https://secwatch.observer/filing/0001437749-26-002038.json","markdown":"https://secwatch.observer/filing/0001437749-26-002038.md","text":"https://secwatch.observer/filing/0001437749-26-002038.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774926002038/0001437749-26-002038-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774926002038/ovly20260123_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:53:22.260387+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"}