Oak Valley Bancorp (OVLY) — SEC Filings
Oak Valley Bancorp (OVLY) — 25 SEC filings. Latest: 10-K (Mar 25, 2026). Includes 11 8-K, 6 10-Q, 3 10-K.
View Oak Valley Bancorp on SEC EDGAR
Overview
Oak Valley Bancorp (OVLY) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-K filed on Mar 25, 2026: Oak Valley Bancorp (OVLY) reported a strong financial position for the fiscal year ended December 31, 2025, with an aggregate market value of common stock held by non-affiliates at approximately $197 million as of June 30, 2025. The company's primary capital plus allowance for credit losses totaled
Sentiment Summary
Across 25 filings, the sentiment breakdown is: 2 bearish, 22 neutral, 1 mixed. The dominant filing sentiment for Oak Valley Bancorp is neutral.
Filing Type Overview
Oak Valley Bancorp (OVLY) has filed 3 10-K, 6 10-Q, 11 8-K, 2 DEF 14A, 2 SC 13G, 1 8-K/A with the SEC between Jan 2024 to Mar 2026.
Filings by Year
Recent SEC Filings (25)
Risk Profile
Risk Assessment: Of OVLY's 21 recent filings, 1 were flagged as high-risk, 4 as medium-risk, and 16 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Key Executives
- Christopher J. Dooley
- Gary W. Wayland
- Donald L. Barton
- Thomas A. Haidlen
- Daniel J. Leonard
- Richard A. McCarty
Industry Context
Oak Valley Bancorp operates as a community bank primarily serving California's Central Valley and Eastern Sierras. The banking industry, particularly for regional and community banks, is characterized by intense competition from larger national institutions, credit unions, and increasingly, fintech companies. Key trends include a focus on digital transformation to meet evolving customer expectations for online and mobile services, and a continued emphasis on relationship-based lending, especially within specialized sectors like commercial real estate.
Top Tags
financial-reporting (5) · 10-Q (4) · financials (4) · banking (4) · Regional Banking (3) · 8-K (3) · results-of-operations (3) · corporate-governance (3) · financial-condition (3) · regulation-fd (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Aggregate market value of common stock held by non-affiliates | $197 million | As of June 30, 2025, indicating market capitalization for non-insiders. |
| Shares of common stock outstanding | 8,413,458 | As of March 13, 2026, representing total shares available. |
| Primary capital plus allowance for credit losses | $236.0 million | As of December 31, 2025, used to calculate legal lending limits. |
| Legal lending limit for unsecured loans | $35.4 million | As of December 31, 2025, based on primary capital. |
| Additional legal lending limit for specific secured loans | $23.6 million | As of December 31, 2025, based on primary capital. |
| Percentage of loan portfolio in consumer and commercial real estate loans | 91% | As of December 31, 2025, highlighting significant concentration risk. |
| Percentage of real estate loans that are commercial real estate loans | 97% | As of December 31, 2025, further detailing the real estate concentration. |
| Number of full-service branch offices | 19 | As of December 31, 2025, indicating the bank's physical footprint. |
| Percentage of loans generated from the Central Valley | 99% | Demonstrates geographic concentration of lending activities. |
| Percentage of deposits generated from the Central Valley | 90% | Demonstrates geographic concentration of deposit base. |
| Net Income (Q3 2025) | $6.693M | 8.6% decrease from Q3 2024 |
| Net Income (9M 2025) | $17.578M | 7.2% decrease from 9M 2024 |
| Total Interest Income (Q3 2025) | $22.517M | Increased from $21.146M in Q3 2024 |
| Interest Expense on Deposits (9M 2025) | $9.896M | Increased from $9.194M in 9M 2024 |
| Reversal of Provision for Credit Losses (9M 2025) | $60K | Significantly lower than $1.620M in 9M 2024 |
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Frequently Asked Questions
What are the latest SEC filings for Oak Valley Bancorp (OVLY)?
Oak Valley Bancorp has 25 recent SEC filings from Jan 2024 to Mar 2026, including 11 8-K, 6 10-Q, 3 10-K. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of OVLY filings?
Across 25 filings, the sentiment breakdown is: 2 bearish, 22 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Oak Valley Bancorp SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Oak Valley Bancorp (OVLY) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Oak Valley Bancorp?
Key financial highlights from Oak Valley Bancorp's most recent 10-K include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for OVLY?
The investment thesis for OVLY includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Oak Valley Bancorp?
Key executives identified across Oak Valley Bancorp's filings include Christopher J. Dooley, Gary W. Wayland, Donald L. Barton, Thomas A. Haidlen, Daniel J. Leonard and 1 others.
What are the main risk factors for Oak Valley Bancorp stock?
Of OVLY's 21 assessed filings, 1 were flagged high-risk, 4 medium-risk, and 16 low-risk.
What are recent predictions and forward guidance from Oak Valley Bancorp?
Forward guidance and predictions for Oak Valley Bancorp are extracted from SEC filings as they are enriched.