Oak Valley Bancorp — Form 8-K
Filed October 23, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 28/100
What the filing says
Oak Valley Bancorp reported Q3 2026 net income of $6.45M ($0.77 diluted EPS) vs. $5.11M in Q2 2026 and $6.69M in Q3 2025. Net interest income rose to $19.80M from $18.94M QoQ, with net interest margin expanding to 4.24% from 4.15%. Year-to-date 2026 net income was $16.87M ($2.02 EPS) vs. $17.58M ($2.12 EPS) in 9M 2025. Total assets stood at $1.98B (down $25.4M QoQ), gross loans $1.15B (up $41.2M YoY), and deposits $1.76B (flat QoQ). Nonperforming assets totaled $2.58M (0.13% of assets); allowance for credit losses 0.97% of gross loans.
Why this rating
Routine quarterly earnings release. Q3 showed sequential improvement but YTD decline vs. 2025; no material M&A, leadership change, or restatement. Modest size relative to ~$197M market cap.
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