Every 10-Q that Oak Valley Bancorp (OVLY) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow OVLY and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full OVLY filings page.
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 delivered stable results for the quarter ended March 31, 2026, with net income of $5.3M, essentially unchanged from the prior year, and diluted earnings per share of $0.64. Annualized return on average assets was 1.07% and return on average common equity was 10.23%, slightly lower than a year earlier.
Net interest income rose to $18.8M as loan yields increased and the net interest margin edged up to 4.12%, while the provision for credit losses increased to $0.5M. Total loans reached $1.15B and deposits were $1.78B, keeping the balance sheet near $2.0B in assets. Credit quality remained strong with only one non-owner-occupied commercial real estate credit driving non-accrual loans of $4.6M and an allowance for credit losses of $12.9M. Comprehensive income fell to $1.4M due to larger unrealized losses in the available-for-sale securities portfolio as market yields rose.
Oak Valley Bancorp reported Q3 2025 results showing stable core banking performance and clean credit. Net income was $6,693 thousand versus $7,324 thousand a year ago, and diluted EPS was $0.81 versus $0.89. Net interest income rose to $19,197 thousand from $17,655 thousand, helped by higher interest on loans and securities, while deposit interest expense remained comparable. The quarter included a reversal of provision for credit losses of $(60) thousand.
Total assets reached $1,995,416 thousand. Loans, net, were $1,099,576 thousand, and deposits were $1,774,882 thousand. Cash and equivalents increased to $247,155 thousand. Available‑for‑sale securities were $530,661 thousand with unrealized losses of $32,442 thousand; other comprehensive income contributed $8,110 thousand in the quarter, improving accumulated other comprehensive loss.
Asset quality remained strong: there were no non‑accrual loans and no past due balances at September 30, 2025. The allowance for credit losses was $11,420 thousand. The company declared a cash dividend of $0.30 per share in Q3. Shares outstanding were 8,388,221 as of November 6, 2025.
Oak Valley Bancorp reported continued profitability with modest year-over-year declines in reported earnings. For the three months ended June 30, 2025 the Company recorded net income of $5.588 million versus $5.889 million a year earlier; year-to-date net income was $10.885 million versus $11.616 million in the prior year period. Net interest income for the quarter was $18.154 million, up from $17.292 million the prior year period, while total non-interest expense rose to $12.688 million from $11.616 million.
On the balance sheet, cash and cash equivalents increased to $198.86 million and deposits were $1.711 billion. Loans, net were $1.096 billion with no non-accrual loans reported and an allowance for credit losses of $11.43 million. Available-for-sale securities carried unrealized losses totaling $43.0 million, contributing to an accumulated other comprehensive loss of $29.904 million. The Company declared cash dividends totaling $2.507 million during the six-month period.