Oak Valley Bancorp Balance Sheet

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
Cash & Equivalents	-	66.27	69.19	204.27	87.86
Investment Securities	-	513.58	526.23	540.4	269.74
Mortgage-Backed Securities	-	28.5	8.66	4.61	0.9
Total Investments	-	542.08	534.89	545.01	270.64
Gross Loans	-	1,107	1,017	915.76	860.04
Allowance for Loan Losses	-	-11.46	-10.9	-9.47	-10.74
Other Adjustments to Gross Loans	-	-1.56	-1.41	-1.26	-1.45
Net Loans	-	1,094	1,004	905.04	847.85
Property, Plant & Equipment	-	22.98	22.72	23.06	21.96
Goodwill	-	3.31	3.31	3.31	3.31
Other Intangible Assets	-	0.08	0.16	0.25	0.33
Accrued Interest Receivable	-	8.56	8.39	7.93	4.06
Restricted Cash	-	102.48	147.38	225.37	690.4
Other Current Assets	-	1.98	1.4	1.54	0.97
Long-Term Deferred Tax Assets	-	15.5	13.25	17.13	2.13
Other Long-Term Assets	-	38.31	32.26	30.97	30.22
Total Assets	-	1,901	1,842	1,968	1,964
Accrued Expenses	-	0.14	-	-	-
Interest Bearing Deposits	-	556.34	528.58	596.5	578.25
Institutional Deposits	-	37.59	22.12	15.47	18.56
Non-Interest Bearing Deposits	-	1,102	1,100	1,202	1,210
Total Deposits	-	1,696	1,651	1,814	1,807
Current Portion of Leases	-	1.49	-	-	-
Accrued Interest Payable	-	0.24	0.13	0.02	0.02
Long-Term Leases	-	5.52	7.16	8.01	6.82
Pension & Post-Retirement Benefits	-	6.14	5.81	5.41	5.07
Other Long-Term Liabilities	-	7.95	12.7	13.98	2.99
Total Liabilities	-	1,717	1,676	1,842	1,822
Common Stock	-	25.44	25.44	25.44	25.44
Additional Paid-In Capital	-	6.2	5.51	5.19	4.69
Retained Earnings	-	175.5	154.3	126.73	106.3
Comprehensive Income & Other	-	-23.7	-19.16	-30.73	6.19
Shareholders' Equity	198.28	183.44	166.09	126.63	142.61
Total Liabilities & Equity	-	1,901	1,842	1,968	1,964
Total Debt	7.56	7.01	7.16	8.01	6.82
Net Cash (Debt)	239.59	59.25	62.03	196.26	81.04
Net Cash Growth	304.35%	-4.47%	-68.39%	142.17%	11.32%
Net Cash Per Share	28.89	7.17	7.54	23.92	9.91
Filing Date Shares Outstanding	8.26	8.25	8.27	8.2	8.17
Total Common Shares Outstanding	8.26	8.22	8.2	8.18	8.15
Book Value Per Share	24.01	22.30	20.25	15.49	17.50
Tangible Book Value	194.95	180.05	162.62	123.07	138.97
Tangible Book Value Per Share	23.61	21.89	19.83	15.05	17.05

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

SEC Filings: 10-K · 10-Q