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Oak Valley Bancorp reported steady performance for the six months ended June 30, 2026. Total assets were $2.00 billion, with net loans of $1.15 billion and securities available for sale of $531.9 million. Deposits totaled $1.76 billion, slightly below year-end 2025.
For the six-month period, the company generated net interest income of $37.8 million and net income of $10.4 million, compared with $36.0 million and $10.9 million a year earlier. Noninterest expense rose, led by higher salaries and employee benefits, occupancy, and data processing costs. Comprehensive income improved to $11.6 million, aided by a $1.1 million other comprehensive income gain from securities valuation.
Credit quality indicators remained strong. Total loans grew to $1.17 billion and non-accrual loans were only $50 thousand, down from $4.6 million at year-end as one commercial real estate credit was resolved through foreclosure and transfer to other real estate owned of $2.6 million. The allowance for credit losses was $11.2 million. Regulatory capital at the bank level was robust, with a common equity Tier 1 ratio of 15.72% and a Tier 1 leverage ratio of 11.48%, well above required minimums.
Oak Valley Bancorp director Leonard Daniel J reported an indirect disposition of 186 shares of common stock on 2026-07-29. The shares were held in a custodial account for a grandchild that was converted to the child’s individual ownership after reaching adult age. Following this transfer, he reports 62,412 common shares held indirectly as custodian for grandchildren.
BlackRock, Inc. reports beneficial ownership of 451,268 shares of OAK VALLEY BANCORP common stock on a Schedule 13G, representing 5.4% of the class. BlackRock has sole voting power over 445,268 shares and sole dispositive power over 451,268 shares, with no shared voting or dispositive power reported.
Various underlying clients have rights to dividends or sale proceeds from these shares, but no single client holds more than five percent of OAK VALLEY BANCORP’s outstanding common stock.
Oak Valley Bancorp director Don Barton reported a sale of common stock. On 2026-07-27, he sold 375 shares at $32.72 per share in an open-market or private transaction. The trade was effected under a Rule 10b5-1(c) plan adopted on 11-05-2024, and he now directly holds 29,975 shares.
Oak Valley Bancorp director Gary Strong purchased 2,000 shares of Common Stock on 2026-07-27 at $32.50 per share, described as a purchase in an open market or private transaction. After this buy, he directly holds 14,842 Common Stock shares.
The Donald Barton 2015 Sep Prop Trust filed to sell 375 shares of common stock of OVLY through Fidelity Brokerage Services LLC on NASDAQ, associated with a value of $12,270.00 and a proposed sale date of July 27, 2026.
The shares were originally acquired on May 20, 2014 via an open market purchase. The trust also reports sales in the past three months: 375 shares on May 26, 2026 for $12,663.75 and 375 shares on June 26, 2026 for $12,472.50.
Oak Valley Bancorp reported Q2 2026 results and declared a cash dividend. For the three months ended June 30, 2026, net income was $5,114,000, or $0.61 per diluted share, down from $5,309,000 in Q1 2026 and $5,588,000 a year earlier.
Management attributes the decrease mainly to higher non-interest expense and lower non-interest income, partly offset by higher net interest income and a lower credit loss provision. Net interest income was $18,944,000 and net interest margin was 4.15%, supported by loan growth of $18,264,000 during the quarter and $55,859,000 over the prior twelve months.
Total assets were $2.00 billion, gross loans $1.17 billion and deposits $1.76 billion at June 30, 2026, with cash and equivalents of $194,803,000. Non-performing assets were $2,631,000, or 0.13% of total assets, after a $1,735,000 charge-off and transfer of $2,581,000 to OREO on a collateral-dependent loan. The Board declared a $0.375 per share dividend, payable August 14, 2026 to shareholders of record on August 3, 2026, totaling approximately $3,155,000.
Oak Valley Bancorp CEO Courtney Christopher M. reported a discretionary Form 4 transaction involving company common stock. The filing shows an adjustment of 657 shares of common stock with a reported price of $0.00 per share, reflecting shares acquired through the company’s 401k and 401k profit sharing plans in 2026.
According to the footnotes, these purchases occur under a Rule 10b5-1 purchase plan on various dates and at various prices, so this entry consolidates plan activity rather than an open‑market trade. After this adjustment, Christopher directly holds 244,304 shares of Oak Valley Bancorp common stock.
Oak Valley Bancorp director Barton Don reported an open-market sale of common stock. On June 26, 2026, he sold 375 shares of Oak Valley Bancorp common stock at a price of $33.26 per share. Following this transaction, he directly holds 30,350 shares. The sale was executed under a Rule 10b5-1(c) trading plan that was adopted on November 5, 2024, indicating the trade was pre-scheduled rather than opportunistic.
The Donald Barton 2015 Sep Prop Trust submitted a Section 144 notice for 375 shares of Common Stock. The excerpt shows a proposed or reported transaction with a trade date of 05/26/2026 and proceeds listed as $12,663.75 with execution through Fidelity Brokerage Services LLC.