---
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"
generated_at: "2026-07-23T16:43:16.952596+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Oak Valley Bancorp Q2 net income $5.1M ($0.61 EPS), down 8% YoY; declares $0.375 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1431567/000143774926024258/0001437749-26-024258-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1431567/000143774926024258/ovly20260722c_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-024258
- JSON: https://secwatch.observer/filing/0001437749-26-024258.json
- Plain text: https://secwatch.observer/filing/0001437749-26-024258.txt

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