Oak Valley Bancorp (OVLY) furnishes 2025 full-year and Q4 results release

Rhea-AI Filing Summary

Oak Valley Bancorp filed a current report indicating it has released its operating results for the three- and twelve-month periods ended December 31, 2025. The results are described in a press release dated January 23, 2026, which is attached as Exhibit 99.1.

The company notes that the information in this results announcement and the exhibit is being furnished, not filed, under securities laws, which affects how it is treated for certain legal liabilities and future filings.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934.

Date of Report: January 23, 2026 (Date of earliest event reported)
Oak Valley Bancorp (Exact name of registrant as specified in its charter)
CA (State or other jurisdiction of incorporation)	001-34142 (Commission File Number)	26-2326676 (IRS Employer Identification Number)
125 N. Third Ave. Oakdale, CA (Address of principal executive offices)	95361 (Zip Code)
(209) 848-2265 (Registrant's telephone number, including area code)
Not Applicable (Former Name or Former Address, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock	OVLY	The Nasdaq Stock Market, LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934. Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition

On January 23, 2026, Oak Valley Bancorp issued a press release, a copy of which is attached as Exhibit 99.1 and incorporated herein by reference. The press release announced the Company’s operating results for the three and twelve-months ended December 31, 2025.

The information in this Item 2.02 in this Form 8-K and the Exhibit 99.1 shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934, except as shall be expressly set forth by specific reference in such filing.

Item 7.01. Regulation FD Disclosure.

See “Item 2.02. Results of Operations and Financial Condition” which is incorporated by reference in this Item 7.01.

Item 9.01. Financial Statements and Exhibits

(a) Financial statements:
            None
(b) Pro forma financial information:
            None
(c) Shell company transactions:
            None
(d) Exhibits

99.1 Press Release of Oak Valley Bancorp dated January 23, 2026

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: January 26, 2026
	OAK VALLEY BANCORP
	By:	/s/ Jeffrey A. Gall
		Jeffrey A. Gall
		Executive Vice President and Chief Financial Officer (Principal Financial Officer and duly authorized signatory)

Exhibit Index
Exhibit No.	Description
99.1	Press Release of Oak Valley Bancorp dated January 23, 2026
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

FAQ

What did Oak Valley Bancorp (OVLY) disclose in this 8-K?

Oak Valley Bancorp disclosed that it issued a press release announcing its operating results for the three and twelve months ended December 31, 2025, furnished as Exhibit 99.1.

Which periods do Oak Valley Bancorp's latest results cover?

The operating results cover the three-month and twelve-month periods ended December 31, 2025.

Where can investors find the detailed financial results for OVLY?

Detailed financial results are contained in the press release dated January 23, 2026, attached to the report as Exhibit 99.1.

Is the Oak Valley Bancorp results information considered 'filed' with the SEC?

No. The company states that the Item 2.02 information and Exhibit 99.1 are furnished, not filed, and are not subject to Section 18 liability or automatically incorporated into other filings.

Which SEC items are included in this Oak Valley Bancorp 8-K?

The report includes Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure, by reference to Item 2.02), and Item 9.01 (Financial Statements and Exhibits).

Who signed the Oak Valley Bancorp 8-K?

The report was signed on behalf of Oak Valley Bancorp by Jeffrey A. Gall, Executive Vice President and Chief Financial Officer.