---
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"
generated_at: "2026-05-16T07:53:22.260387+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-002038
- JSON: https://secwatch.observer/filing/0001437749-26-002038.json
- Plain text: https://secwatch.observer/filing/0001437749-26-002038.txt

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