secwatch.observer — SEC 8-K summary
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Issuer:     Oak Valley Bancorp (OVLY)
CIK:        0001431567
Form:       8-K
Filed at:   2026-01-26T23:59:59+00:00
Accession:  0001437749-26-002038
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1431567/000143774926002038/0001437749-26-002038-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1431567/000143774926002038/ovly20260123_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-002038

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