secwatch.observer — SEC 8-K summary
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Issuer:     Oak Valley Bancorp (OVLY)
CIK:        0001431567
Form:       8-K
Filed at:   2026-04-23T23:59:59+00:00
Accession:  0001437749-26-013128
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1431567/000143774926013128/0001437749-26-013128-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1431567/000143774926013128/ovly20260422_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-013128

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