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OVLY on Nasdaq

Oak Valley Bancorp

American state commercial bank, incorporated in California1

In its 2026 annual report the company says: “The Bank is an insured bank under the Federal Deposit Insurance Act and is a member of the Federal Reserve.”3 It is headquartered in Oakdale, California.1 Its shares trade on Nasdaq under the symbol OVLY.1

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Last updated Oct 21, 2026.

Overview

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  • TickerOVLY on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersOakdale, California1
  • Incorporated inCA2
  • Business address125 N. Third Ave., Oakdale, Ca 953612
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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Oak Valley Bancorp. Oak Valley Bancorp (the “Company”) serves as the parent bank holding company of Oak Valley Community Bank (the “Bank”), a California state-chartered bank. The Bank and the Company may be generally referred to as “we”, “us” or “our”). The Company was incorporated under the laws of the State of California on May 31, 1990, and began operations in Oakdale, California on May 28, 1991.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Deposit Account brought in 51% of the revenue Oak Valley Bancorp broke down this way in fiscal 2025.

  1. Deposit Account$1.8M451%up 6% from 2024
  2. Debit Card$1.7M448%down 4% from 2024
  3. Mortgage Banking$33.0K41%up 6% from 2024
Products and services by year
Products and services20242025
Deposit Account$1.7M$1.8M
Debit Card$1.7M$1.7M
Mortgage Banking$31.0K$33.0K

Financial statements

Net income567894$23.9M in 2025+91% since 2019
0$10.0M$20.0M$30.0M$40.0M2019: $12.5M$12.5M20192020: $13.7M$13.7M2020+10%2021: $16.3M$16.3M2021+19%2022: $22.9M$22.9M2022+40%2023: $30.8M$30.8M2023+35%2024: $24.9M$24.9M2024−19%2025: $23.9M$23.9M2025−4%

Every line of the income statement as filed: the last 2 fiscal years, latest first.4

Period ending2025-12-312024-12-31
Interest and fees on loans$58.3M$53.4M
Interest on securities$21.4M$20.7M
Interest on federal funds sold$1.3M$1.5M
Interest on deposits with banks$6.8M$7.2M
Total interest income$87.9M$82.9M
Deposits$13.3M$12.9M
Total interest expense$13.3M$12.9M
Net interest income$74.6M$70.0M
Provision for (reversal of) credit losses$805.0K-$1.6M
Net interest income after provision for (reversal of) credit losses$73.8M$71.7M
Earnings on cash surrender value of life insurance$1.2M$1.1M
(Loss) gain on sales and calls of available-for-sale securities-$4.0K$114.0K
Other$2.4M$1.9M
Total non-interest income$7.1M$6.6M
Salaries and employee benefits$30.8M$28.6M
Occupancy expenses$4.7M$4.6M
Data processing fees$3.0M$2.8M
Regulatory assessments$1.1M$1.1M
Other operating expenses$10.5M$8.9M
Total non-interest expense$50.3M$46.0M
Net income before provision for income taxes$30.6M$32.2M
Total provision for income taxes$6.7M$7.2M
Net Income$23.9M$24.9M
Net income per share (in dollars per share)$2.90$3.04
Net income per diluted share (in dollars per share)$2.88$3.02

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Corporate structure

Oak Valley Bancorp sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Oak Valley Bancorp

  • Oak Valley Bancorp Oakdale, California

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Oak Valley Bancorp reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$33.7M4 Dec 31, 2025$29.6M4 Dec 31, 2024+13.6%
Accumulated depreciation$14.6M4 Dec 31, 2025$13.3M4 Dec 31, 2024+9.7%
Property and equipment, net$19.0M4 Dec 31, 2025$16.3M4 Dec 31, 2024+16.7%
Operating-lease assets (leased space)$7.2M4 Dec 31, 2025$6.7M4 Dec 31, 2024+8.6%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$232.2M4 Dec 31, 2025$168.8M4 Dec 31, 2024+37.6%
Debt securities available for sale$526.5M9 Dec 31, 2024$518.1M9 Dec 31, 2023+1.6%
Equity securities at fair value$3.4M4 Dec 31, 2025$3.2M4 Dec 31, 2024+8.0%
Stakes in other companies (equity method)$16.0M4 Dec 31, 2025$12.4M4 Dec 31, 2024+29.1%
Loans, net of allowance$1.1B4 Dec 31, 2025$1.1B4 Dec 31, 2024+3.3%
Deposits held (banks)$1.8B4 Dec 31, 2025$1.7B4 Dec 31, 2024+5.7%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$3.3M4 Dec 31, 2025$3.3M4 Dec 31, 20240%

Leadership

Who has led Oak Valley Bancorp, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Ronald C. Martin2008–2012
  2. Christopher M. Courtney2014–now

President

  1. Christopher M. Courtney2008–2022
  2. Richard A. McCarty2022–now

Chief financial officer

  1. Richard A. McCarty2008–2015
  2. Jeffrey A. Gall2016–now

Chief operating officer

  1. Richard A. McCarty2017–now
2010201520202025
Board members and other officers (28)

Timeline

  1. Jul 23, 20268-K Results of operations; Regulation FD disclosure45
  2. Jun 17, 20268-K Shareholder vote46
  3. Apr 23, 20268-K Results of operations; Regulation FD disclosure47
  4. Jan 27, 20268-K Executive or director change48
  5. Jan 26, 20268-K Results of operations; Regulation FD disclosure49
  6. Oct 23, 20258-K Results of operations; Regulation FD disclosure50
  7. Jul 21, 20258-K Results of operations; Regulation FD disclosure51
  8. Jun 18, 20258-K Executive or director change; Shareholder vote; Regulation FD disclosure52
  9. Apr 21, 20258-K Results of operations; Regulation FD disclosure53
  10. Jan 27, 20258-K Results of operations; Regulation FD disclosure54
  11. Oct 21, 20248-K Results of operations; Regulation FD disclosure55
  12. Jul 19, 20248-K Results of operations; Regulation FD disclosure56
  13. Feb 19, 2014New chief executive Christopher M. Courtney becomes CEO12
  14. Aug 8, 2008New chief executive Ronald C. Martin becomes CEO13

Calendar

Coming up

  1. Oct 28, 2026Reports results for the quarter ending Sep/202657

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results45
  2. Apr 23, 2026Reported quarterly or annual results47
  3. Jan 26, 2026Reported quarterly or annual results49
  4. Oct 23, 2025Reported quarterly or annual results50
  5. Jul 21, 2025Reported quarterly or annual results51
  6. Apr 21, 2025Reported quarterly or annual results53
  7. Jan 27, 2025Reported quarterly or annual results54
  8. Oct 21, 2024Reported quarterly or annual results55

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

287 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 30 major events, 196 insider forms, 5 large holders, 35 other. The latest 20:

  1. Sep 29, 20264 EDGAR
  2. Sep 28, 2026144 EDGAR
  3. Sep 28, 20264 EDGAR
  4. Sep 3, 20264 EDGAR
  5. Aug 31, 20264 EDGAR
  6. Aug 28, 20264 EDGAR
  7. Aug 26, 2026144 EDGAR
  8. Aug 20, 20264 EDGAR
  9. Aug 18, 20264 EDGAR
  10. Aug 14, 202610-Q EDGAR
  11. Jul 30, 20264 EDGAR
  12. Jul 29, 2026SCHEDULE 13G EDGAR
  13. Jul 27, 2026144 EDGAR
  14. Jul 27, 20264 EDGAR
  15. Jul 27, 20264 EDGAR
  16. Jul 23, 20268-K EDGAR
  17. Jun 30, 20264 EDGAR
  18. Jun 26, 2026144 EDGAR
  19. Jun 26, 20264 EDGAR
  20. Jun 17, 20268-K EDGAR

The 287 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

145 open-market trades by officers, directors and large owners since October 2021: 116 buys and 29 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 28, 2026Leonard Daniel JDirectorBuy125$34.03$4.3KForm 4
Sep 28, 2026Barton DonDirectorSale375$34.03$12.8KForm 4
Aug 28, 2026Leonard Daniel JDirectorBuy125$34.23$4.3KForm 4
Aug 26, 2026LAFFERTY ALLISONDirectorBuy1,307$33.93$44.4KForm 4
Aug 26, 2026Barton DonDirectorSale375$34.07$12.8KForm 4
Aug 19, 2026Leonard Daniel JDirectorBuy125$34.59$4.3KForm 4
Aug 17, 2026HOLDER H RANDOLPH JRDirectorBuy115$33.75$3.9KForm 4
Jul 27, 2026Barton DonDirectorSale375$32.72$12.3KForm 4
Jul 27, 2026Strong GaryDirectorBuy2,000$32.50$65.0KForm 4
Jun 26, 2026Barton DonDirectorSale375$33.26$12.5KForm 4
May 28, 2026LAFFERTY ALLISONDirectorBuy87$33.44$2.9KForm 4
May 26, 2026Barton DonDirectorSale375$33.77$12.7KForm 4
May 12, 2026HOLDER H RANDOLPH JRDirectorBuy200$32.50$6.5KForm 4
May 5, 2026LAFFERTY ALLISONDirectorBuy180$33.19$6.0KForm 4
Apr 29, 2026Leonard Daniel JDirectorBuy375$33.00$12.4KForm 4
Feb 27, 2026LAFFERTY ALLISONDirectorBuy506$32.60$16.5KForm 4
Feb 13, 2026WITHROW TERRANCE PDirectorBuy297$33.64$10.0KForm 4
Feb 13, 2026Haidlen Erich ADirectorBuy250$33.23$8.3KForm 4
Jan 12, 2026Barton DonDirectorSale375$30.25$11.3KForm 4
Dec 12, 2025Barton DonDirectorSale375$30.29$11.4KForm 4

All 145 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Chief Executive Officer$566.5K$1.1M60
2025President and Chief Operating Officer$456.5K$855.9K60
2025Executive VicePresident/ Chief Credit Officer$352.4K$566.1K60
2024Christopher M. Courtney63$554.8K$980.6K60
2024Richard A. McCarty54$445.2K$785.6K60
2024Michael J. Rodrigues56$357.7K$698.0K60

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 84. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.511,151$17.2M0.0%+83,836
Vanguard Capital Management LLC296,205$10.0M0.0%−22,302
Siena Capital Partners GP, LLC263,847$8.9M2.2%−59,340
Dimensional Fund Advisors LP189,026$6.4M0.0%+30,881
Geode Capital Management, LLC176,153$5.9M0.0%+19,809
Cresset Asset Management, LLC140,282$4.7M0.0%No change
State Street Corp130,531$4.4M0.0%+24,382
American Century Companies Inc99,560$3.4M0.0%+77,031
Renaissance Technologies LLC73,973$2.5M0.0%+38,598
Goldman Sachs Group Inc65,845$2.2M0.0%+18,124
Northern Trust Corp54,713$1.8M0.0%+5,426
Arrowstreet Capital, Limited Partnership53,502$1.8M0.0%+36,373
Morgan Stanley52,224$1.8M0.0%+27,734
Bridgeway Capital Management, LLC51,279$1.7M0.0%−5,000
Vanguard Portfolio Management LLC48,638$1.6M0.0%+9,166
Two Sigma Investments, LP47,787$1.6M0.0%New
Vanguard Fiduciary Trust Co45,742$1.5M0.0%+2,563
Cetera Investment Advisers45,003$1.5M0.0%−11
Fmr LLC32,624$1.1M0.0%−105
Aqr Capital Management LLC32,551$1.1M0.0%+12,929
RBF Capital, LLC30,000$1.0M0.0%No change
Citadel Advisors LLC28,963$977.4K0.0%+21,354
Squarepoint Ops LLC23,760$801.8K0.0%New
Kestra Advisory Services, LLC23,519$793.7K0.0%No change
Hsbc Holdings PLC23,450$785.6K0.0%+1,949

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Oak Valley Bancorp is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAROak Valley Bancorp1
  • CIK0001431567
  • Employer ID (EIN)26-23266763
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inCalifornia3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address125 N. Third Ave., Oakdale, CA 953611
  • Phone209-844-75001
  • Shares outstanding8,412,708 as of Jul 27, 202611
  • Public float$197.0M as of Jun 30, 20253
  • AuditorRSM US LLP, Dallas, TX PCAOB ID 49; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceJul 31, 20081
  • Filings881 in all: 4 (513), 8-K (128), 10-Q (55), 3 (32), 4/A (23), 144 (20), 10-K (18), DEF 14A (18)1
    All 32 form types

    DEFA14A (11), SC 13G/A (11), 3/A (7), 10-K/A (5), 8-K/A (5), PRE 14A (5), SC 13G (5), 5 (3), NO ACT (3), ARS (2), D (2), PRER14A (2), S-8 (2), 10-12B (1), 10-12B/A (1), 10-Q/A (1), 144/A (1), 5/A (1), 8-A12B (1), CERTNAS (1), CORRESP (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Mar 25, 2026
    Quarterly report (10-Q) Aug 14, 2026
    Proxy statement (DEF 14A) Apr 29, 2026
    Latest 8-K (8-K) Jul 23, 2026

Securities registered for trading

ClassSymbolExchange
Common StockOVLYNasdaq

From the cover page of the 10-K filed Mar 25, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

The risks Oak Valley Bancorp names in Item 1A of its 10-K filed Mar 25, 2026: 45 risks under these headings, as written.3

  • Risks Related to Our Business
  • Our business strategy includes sustainable growth plans, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively.
  • Our financial condition and results of operations are dependent on the economy, particularly in the Bank’s market areas.
  • We cannot accurately predict the possibility of weakness in the national or local economy effecting our future operating results.
  • Adverse developments affecting the financial services industry, such as actual events or concerns involving liquidity, defaults, or non-performance by financial institutions or transactional counterparties, could adversely affect our business operations and our financial condition and results of operations.
  • Recent bank failures have created significant market volatility, regulatory uncertainty, and decreased confidence in the U.S. banking system.
  • The failure to address the federal debt ceiling in a timely manner, downgrades of the U.S. credit rating and uncertain credit and
  • financial market conditions may affect the stability of securities issued or guaranteed by the federal government, which may affect the valuation or liquidity of our investment securities portfolio and increase future borrowing costs.
  • There are risks associated with our lending activities and our allowance for credit losses may prove to be insufficient to absorb actual incurred losses in our loan portfolio.
  • If actual losses on our loans exceed our estimates used to establish our allowance for credit losses, our business, financial condition and profitability may suffer.
  • Our underwriting practices may not protect us against losses in our loan portfolio.
  • Because our loan portfolio has a large concentration of real estate loans, and commercial real estate loans in particular, negative changes in the economy affecting real estate values and liquidity, or regional and national market conditions, could impair the value of collateral securing our real estate loans and result in loan and other losses.
The other 34 risks
  • Our commercial real estate loans involve higher principal amounts than other loans and repayment of these loans may be dependent on factors outside our control or the control of our borrowers.
  • Repayment of our commercial and industrial loans is often dependent on the cash flows of the borrower, which may be unpredictable, and the collateral securing these loans may not be sufficient to repay the loan in the event of default.
  • We are exposed to risk of environmental liabilities with respect to real properties which we may acquire.
  • New lines of business, new products and services, or strategic project initiatives may subject us to additional risks.
  • Strong competition within our market areas may limit our growth and profitability.
  • Risks Related to Our Operations
  • We face significant operational risks.
  • Our enterprise risk management framework may not be effective in mitigating risk and reducing the potential for losses.
  • Managing reputational risk is important to attracting and maintaining customers, investors and employees.
  • Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
  • We currently hold a significant amount of bank owned life insurance.
  • We rely on numerous external vendors.
  • Our holding company relies on dividends from the Bank for substantially all of its income and the net proceeds of capital raising transactions are currently the primary source of funds for cash dividends to our preferred and common stockholders.
  • We may elect or be compelled to seek additional capital in the future, but that capital may not be available when it is needed.
  • Climate change manifesting as physical or transition risks could adversely affect our operations, businesses and customers.
  • Risks Related to Technology
  • Our security measures may not be sufficient to mitigate the risk of a cyber-attack or cyber theft.
  • Our security measures may not protect us from systems failures or interruptions.
  • We rely on communications, information, operating and financial control systems technology from third party service providers, and we may suffer an interruption in those systems.
  • We are subject to a variety of federal and state privacy and data security laws, which govern the collection, safeguarding, sharing and use of customer information
  • Risks Related to Regulations
  • We operate in a highly regulated environment and our operations and income may be affected adversely by changes in laws, rules and regulations governing our operations.
  • The Dodd-Frank Act and supporting regulations could have a material adverse effect on us.
  • The short-term and long-term impact of the changing regulatory capital requirements and new capital rules is uncertain.
  • We are subject to federal and state fair lending laws, and failure to comply with these laws could lead to material penalties.
  • Non-compliance with the USA Patriot Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions or operating restrictions.
  • Increases in deposit insurance premiums and special FDIC assessments will negatively impact our earnings.
  • Risks Related to Tax and Financial Matters
  • The Company has a deferred tax asset that may or may not be fully realized.
  • We may experience future goodwill impairment.
  • In preparing our financial statements we make certain assumptions, judgments and estimates that affect amounts reported in our consolidated financial statements, which, if not accurate, may significantly impact our financial results.
  • General Risks
  • We depend on our key employees.
  • Severe weather, natural disasters, acts of war or terrorism and other external events could significantly impact our business.
  • Anti-takeover provisions could negatively impact our stockholders.
  • Our business could be negatively affected as a result of actions by activist stockholders.
  • If we fail to maintain proper and effective internal controls, our ability to produce accurate and timely financial statements could be impaired and investors’ views of us could be harmed.
  • If securities or industry analysts do not publish research or reports about our business, or if they publish negative reports about our business, our stock price and trading volume could decline.
  • The price of our common stock may fluctuate significantly, and this may make it difficult for you to sell shares of common stock owned by you at times or at prices you find attractive.

Legal proceedings

From time to time, the Company is a party to claims and legal proceedings arising in the ordinary course of business. Our management evaluates its exposure to these claims and proceedings individually and in the aggregate and provides for potential losses on such litigation if the amount of the loss is estimable and the loss is probable.

There are no pending, or to management's knowledge, any threatened, material legal proceedings to which the Company is a party, or to which any of the Company’s properties are subject.

The opening of Item 3, Legal Proceedings.3

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