---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-013128"
form_type: "8-K"
ticker: "OVLY"
cik: "0001431567"
company_name: "Oak Valley Bancorp"
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:29:52.109212+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Q1 net income $5.3M ($0.64 EPS), down 16% from prior quarter

## Summary
- Net income $5.309M ($0.64 diluted EPS) vs $6.335M ($0.77) prior quarter and $5.297M ($0.64) year ago.
- Net interest income $18.824M, down from $19.457M prior quarter, up from $17.807M year ago; NIM 4.12% vs 4.14%.
- Non-interest expense rose to $13.506M from $12.262M prior quarter due to staffing and operating costs.
- Total assets $2.01B, gross loans $1.15B, deposits $1.78B; NPAs $4.6M (0.23% of assets) vs zero year ago.
- Provision for credit losses $464,000; ACL ratio 1.13% of gross loans, up from 1.08% prior quarter.

## SEC filing metadata
- accession: 0001437749-26-013128
- form_type: 8-K
- ticker: OVLY
- cik: 0001431567
- company_name: Oak Valley Bancorp
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1431567/000143774926013128/0001437749-26-013128-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1431567/000143774926013128/ovly20260422_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-013128
- JSON: https://secwatch.observer/filing/0001437749-26-013128.json
- Plain text: https://secwatch.observer/filing/0001437749-26-013128.txt

## Key facts
- Earnings Releases
  Oak Valley Bancorp reported three months ended March 31, 2026 results: revenue $18,824,000, net income $5,309,000, EPS $0.64 per diluted share.
  - Period: three months ended March 31, 2026
  - Revenue: $18,824,000
  - Net income: $5,309,000
  - EPS: $0.64 per diluted share
  - Result: reported results
  source text: compared to the prior year was due to an increase in net interest income driven by earning asset growth. Net interest income for the three months ended March 31, 2026 was $18,824,000, compared to $19,457,000 in the prior quarter, and $17,807,000 in the same period a year ago. The decrease from the prior quarter is due to lower yields on cash balances, lower
  evidence_url: https://www.sec.gov/Archives/edgar/data/1431567/000143774926013128/0001437749-26-013128-index.htm

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