Oak Valley Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	-	53.41	44.77	38.89	43.77
Interest Income on Investments	-	29.49	35.89	22.31	6.04
Total Interest Income	-	82.89	80.67	61.2	49.81
Interest Paid on Deposits	-	12.86	4.86	1.12	0.97
Interest Paid on Borrowings	-	-	0	-	-
Total Interest Expense	-	12.86	4.86	1.12	0.97
Net Interest Income	74.62	70.03	75.8	60.08	48.84
Net Interest Income Growth (YoY)	6.54%	-7.61%	26.18%	23.02%	8.63%
Mortgage Banking Activities	-	0.03	0.02	0.07	0.15
Gain (Loss) on Sale of Investments	-	0.11	0.16	-	0.15
Other Non-Interest Income	7.11	4.73	4.64	3.9	3.83
Total Non-Interest Income	7.11	6.56	6.63	5.57	5.43
Non-Interest Income Growth (YoY)	8.53%	-1.15%	19.03%	2.67%	12.69%
Revenues Before Loan Losses	81.73	76.59	82.43	65.65	54.26
Provision for Loan Losses	0.81	-1.62	0.97	-1.35	-0.64
Revenue	80.92	78.21	81.46	67	54.9
Revenue Growth (YoY)	3.47%	-3.99%	21.59%	22.04%	15.31%
Salaries and Employee Benefits	-	27.8	25.58	22.42	19.63
Occupancy Expenses	-	3.07	3.02	2.86	2.74
Federal Deposit Insurance	-	1.09	1.02	0.93	0.65
Selling, General & Administrative	-	5.2	4.79	4.26	3.93
Other Non-Interest Expense	50.27	8.86	6.76	6.84	6.27
Total Non-Interest Expense	50.27	46.02	41.16	37.31	33.22
EBT Excluding Unusual Items	30.65	32.19	40.31	29.69	21.68
Pretax Income	30.65	32.19	40.31	29.69	21.68
Income Tax Expense	6.74	7.24	9.46	6.79	5.34
Net Income	23.91	24.95	30.85	22.9	16.34
Net Income to Common	23.91	24.95	30.85	22.9	16.34
Net Income Growth	-4.15%	-19.13%	34.70%	40.18%	19.36%
Basic Shares Outstanding	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	8
Shares Change (YoY)	0.40%	0.34%	0.32%	0.32%	0.49%
EPS (Basic)	2.90	3.04	3.76	2.80	2.01
EPS (Diluted)	2.88	3.02	3.75	2.79	2.00
EPS Growth	-4.64%	-19.47%	34.41%	39.50%	19.05%
Dividend Per Share	0.675	0.525	0.385	0.310	0.295
Dividend Growth	28.57%	36.36%	24.19%	5.08%	3.51%
Effective Tax Rate	21.98%	22.50%	23.46%	22.86%	24.63%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q