Oak Valley Bancorp (OVLY)

Oak Valley Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	60.71	58.35	53.41	44.77	38.89	43.77
Interest Income on Investments	29.39	29.58	29.49	35.89	22.31	6.04
Total Interest Income	90.1	87.92	82.89	80.67	61.2	49.81
Interest Paid on Deposits	13.68	13.31	12.86	4.86	1.12	0.97
Interest Paid on Borrowings	-	-	-	0	-	-
Total Interest Expense	13.68	13.31	12.86	4.86	1.12	0.97
Net Interest Income	76.42	74.62	70.03	75.8	60.08	48.84
Net Interest Income Growth	6.94%	6.54%	-7.61%	26.18%	23.02%	8.63%
Mortgage Banking Activities	0.03	0.03	0.03	0.02	0.07	0.15
Gain (Loss) on Sale of Investments	-0.01	-0	0.11	0.16	-	0.15
Other Non-Interest Income	5.6	5.3	4.73	4.64	3.9	3.83
Total Non-Interest Income	7.42	7.11	6.56	6.63	5.57	5.43
Non-Interest Income Growth	12.48%	8.53%	-1.15%	19.03%	2.67%	12.69%
Revenues Before Loan Losses	83.84	81.73	76.59	82.43	65.65	54.26
Provision for Loan Losses	0.77	0.81	-1.62	0.97	-1.35	-0.64
Revenue	83.07	80.92	78.21	81.46	67	54.9
Revenue Growth	4.94%	3.47%	-3.99%	21.59%	22.04%	15.31%
Salaries and Employee Benefits	31.56	29.94	27.8	25.58	22.42	19.63
Occupancy Expenses	3.63	3.14	3.07	3.02	2.86	2.74
Federal Deposit Insurance	1.14	1.12	1.09	1.02	0.93	0.65
Selling, General & Administrative	7.45	6.59	6.12	5.16	4.26	3.93
Other Non-Interest Expense	9.36	9.5	7.94	6.39	6.84	6.27
Total Non-Interest Expense	53.14	50.27	46.02	41.16	37.31	33.22
EBT Excluding Unusual Items	29.92	30.65	32.19	40.31	29.69	21.68
Pretax Income	29.92	30.65	32.19	40.31	29.69	21.68
Income Tax Expense	6.47	6.74	7.24	9.46	6.79	5.34
Net Income	23.45	23.91	24.95	30.85	22.9	16.34
Net Income to Common	23.45	23.91	24.95	30.85	22.9	16.34
Net Income Growth	-3.16%	-4.15%	-19.13%	34.70%	40.18%	19.36%
Basic Shares Outstanding	8	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	8	8
Shares Change	0.47%	0.40%	0.34%	0.32%	0.32%	0.49%
EPS (Basic)	2.84	2.90	3.04	3.76	2.80	2.01
EPS (Diluted)	2.82	2.88	3.02	3.75	2.79	2.00
EPS Growth	-3.44%	-4.64%	-19.47%	34.41%	39.50%	19.05%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.750	0.675	0.525	0.385	0.310	0.295
Dividend Growth	25.00%	28.57%	36.36%	24.19%	5.08%	3.51%
Effective Tax Rate	21.63%	21.98%	22.50%	23.46%	22.86%	24.63%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: May 12, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 28, 2026

Data Sources Report a data error