Oak Valley Bancorp

Listed Company

OVLYCIK 0001431567NasdaqNon-AcceleratedSmaller ReportingState Commercial BanksCaliforniaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$23.91M

Total Assets

$2.02B

Equity

$207.97M

Shares Out

8.41M

Op. Cash Flow

$28.67M

Business

Oak Valley Bancorp serves as the bank holding company for Oak Valley Community Bank and operates as a provider of community banking services. The company offers commercial and consumer deposit accounts, online and mobile banking, ATM and remote deposit capture, merchant services, and a range of lending products including commercial real estate, construction, mini-perm, commercial business, SBA and consumer loans. Management aggregates operations into a single operating segment reflecting uniform branch-based delivery and product availability. It serves customers primarily across California’s Central Valley and Eastern Sierra through a network of full-service branches and digital channels.

Summary from filing dated 2025-03-31

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest and fees on loans	58	53	45	39	44
Interest on securities	21	21	21	14	5
Interest on federal funds sold	1	2	1	415,000	36,000
Interest on deposits with banks	7	7	14	8	601,000
Total interest income	88	83	81	61	50
Deposits	13	13	5	1	971,000
Total interest expense	13	13	5	—	—
Net interest income	75	70	76	60	49
Provision for (reversal of) credit losses	805,000	−2	—	−1	−635,000
Net interest income after provision for (reversal of) credit losses	74	72	75	61	49
Earnings on cash surrender value of life insurance	1	1	788,000	749,000	719,000
(Loss) gain on sales and calls of available-for-sale securities	−4,000	114,000	—	—	—
Other	2	2	2	1	1
Total non-interest income	7	7	7	6	5
Salaries and employee benefits	31	29	26	23	20
Occupancy expenses	5	5	5	4	4
Data processing fees	3	3	3	2	2
Regulatory assessments	1	1	1	927,000	649,000
Other operating expenses	11	9	7	7	6
Total non-interest expense	50	46	41	37	33
Net income before provision for income taxes	31	32	40	30	22
Total provision for income taxes	7	7	9	7	5
Net Income	24	25	31	23	16
Net income per share (in dollars per share)	2.9	3.04	3.76	2.8	2.01
Net income per diluted share (in dollars per share)	2.88	3.02	3.75	2.79	2

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	203	138	180	416	735
Federal funds sold	29	30	37	14	43
Cash and cash equivalents	232	169	217	430	778
Securities - available for sale	544	526	—	—	—
Securities - equity investments	3	3	3	3	3
Loans, net of allowance for credit losses of $12,381 and $11,460 at December 31, 2025 and 2024, respectively	1,130	1,094	—	—	—
Cash surrender value of life insurance	37	38	32	—	—
Bank premises and equipment, net	19	16	16	15	15
Goodwill and other intangible assets, net	3	3	3	4	4
Deferred tax asset	14	16	13	17	—
Interest receivable and other assets	42	36	36	—	—
Assets	2,023	1,901	1,842	1,968	1,964
Deposits	1,793	1,696	1,651	1,814	1,807
Interest payable and other liabilities	22	21	26	—	—
Total liabilities	1,815	1,717	1,676	1,842	1,822
Commitments and Contingencies	—	—	—	—	—
Common stock, no par value; 50,000,000 shares authorized, 8,388,221 and 8,357,211 shares issued and outstanding at December 31, 2025 and 2024, respectively	25	25	25	25	25
Additional paid-in capital	7	6	6	5	5
Retained earnings	194	176	154	127	106
Accumulated other comprehensive loss, net of tax	−19	−24	−19	−31	6
Total shareholders equity	208	183	166	127	143
Liabilities and Equity	2,023	1,901	1,842	1,968	1,964

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Increase in deferred fees/costs, net	380,000	156,000	151,000	−197,000	−3
Depreciation	1	1	1	1	1
Amortization of investment securities, net	808,000	838,000	1	1	410,000
Unrealized (gain) loss on equity securities	−133,000	74,000	−41,000	475,000	—
Amortization of operating lease right-of-use asset	−241,000	−231,000	−231,000	−161,000	—
Stock based compensation	904,000	845,000	533,000	622,000	581,000
Loss (gain) on sales and calls of available-for-sale securities	4,000	−114,000	—	—	—
Decrease (increase) in deferred tax asset	2	−2	706,000	−489,000	134,000
Gain on BOLI death benefit	189,000	0	—	—	—
(Decrease) increase in interest payable and other liabilities	−159,000	914,000	−1	875,000	1
Increase in interest receivable	−320,000	−173,000	−456,000	−4	2
Decrease in other assets	788,000	2	454,000	2	−6
Net cash provided by operating activities	29	26	33	23	11
Purchases of available-for-sale securities	−59	−104	−41	−359	−80
Purchases of equity securities	−122,000	−112,000	−101,000	−74,000	−64,000
Proceeds from the sale of available-for-sale securities	0	28	43	0	—
Proceeds from maturities, calls, and principal paydowns of available-for-sale securities	49	60	23	41	36
Investment in LIHTC	−6	−4	−373,000	−1	−530,000
Net increase in loans	−37	−88	−101	−56	153
Purchase of FHLB Stock	−776,000	−329,000	−720,000	0	−735,000
Purchase of BOLI policies	0	−5	−500,000	0	−3
Proceeds from redemption of BOLI policies	2	0	—	—	—
Purchases of premises and equipment	−4	−2	−2	−1	−978,000
Net cash used in investing activities	−57	−115	−80	−376	104
Shareholder cash dividends paid	−5	−4	−3	−2	−2
Net increase in demand deposits and savings accounts	76	9	−179	8	436
Net increase in time deposits	22	36	15	−324,000	3
Tax withholding payments on vested restricted shares surrendered	−284,000	−158,000	−211,000	−121,000	−108,000
Net cash provided by in financing activities	92	41	−167	5	437
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	63	−48	−213	−349	552
Interest	13	13	5	1	971,000
Operating leases	2	1	1	1	1
Income taxes	5	6	10	4	6
Change in unrealized gain (loss) on securities	7	−6	16	−52	2
Change in contributions payable to LIHTC limited partner investment	5	0	—	—	—
Right-of-use asset obtained in exchange for new operating lease liability	−2	−1	−390,000	−2	−3

Filings

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