{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-024258","form_type":"8-K","ticker":"OVLY","cik":"0001431567","company_name":"Oak Valley Bancorp","filed_at":"2026-07-23T16:41:54+00:00","discovered_at":"2026-07-23T16:43:00.361423+00:00","generated_at":"2026-07-23T16:43:16.952596+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Oak Valley Bancorp Q2 net income $5.1M ($0.61 EPS), down 8% YoY; declares $0.375 dividend","bullets":["Q2 net income $5.114M ($0.61 diluted EPS) vs $5.588M ($0.67) a year ago; six-month net income $10.423M ($1.25) vs $10.885M ($1.31).","Net interest income $18.944M (up 4.4% YoY); net interest margin 4.15% vs 4.11% a year ago; gross loans grew $55.9M over 12 months to $1.17B.","Non-performing assets fell to $2.631M (0.13% of assets) from $4.574M; $1.735M charge-off on a collateral-dependent loan transferred to OREO.","Board declared $0.375 per share cash dividend, payable Aug 14, 2026 to holders of record Aug 3, 2026; second dividend in 2026.","Non-interest expense rose to $14.157M from $12.443M YoY, driven by staffing and branch expansion costs."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-024258","json":"https://secwatch.observer/filing/0001437749-26-024258.json","markdown":"https://secwatch.observer/filing/0001437749-26-024258.md","text":"https://secwatch.observer/filing/0001437749-26-024258.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1431567/000143774926024258/0001437749-26-024258-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1431567/000143774926024258/ovly20260722c_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T16:43:16.952596+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"}