Oak Valley Bancorp (NASDAQ: OVLY) is a community banking company that operates as a state-chartered, independent bank serving consumers, professionals, and business customers across California's Central Valley and Eastern Sierra regions. The bank makes money primarily through net interest income, collecting interest on loans funded by core deposits, with real estate loans representing a high concentration of the loan portfolio. As of December 31, 2025, Oak Valley Bancorp held approximately $2.02 billion in total assets, $1.14 billion in total gross loans, and $1.79 billion in total deposits. Total assets grew 6.4% from $1.90 billion at year-end 2024. The bank emphasizes personalized client service and markets itself as a locally managed alternative to larger regional institutions. Real estate loans, primarily collateralized by first or junior deeds of trust on commercial properties in the California Central Valley, carry floating interest rates tied to established indexes. The bank also offers ATM access, remote deposit capture for commercial customers, and participates in loans originated by other financial institutions.

Revenue model

Net interest income from loans (primarily floating-rate real estate loans collateralized by commercial properties) funded by core deposit growth. Loan participation interests supplement direct origination. Dividend capacity to the holding company flows from bank-level earnings subject to California Financial Code restrictions.

Products and services

Commercial and consumer loans, real estate loans (first and junior deeds of trust on commercial properties), equity lines of credit, core deposit accounts, ATM services, remote deposit capture for commercial customers, and loan participation interests purchased from other financial institutions.

Customers and end markets

Consumers, professionals, and business customers in community markets. Commercial deposit customers use remote deposit capture. End markets include California Central Valley real estate and local small-to-medium business banking.

Value-chain role

Community bank and bank holding company. Originates and holds loans on balance sheet, funds them through retail and commercial deposits, and manages interest rate risk through asset/liability management including GAP analysis and interest rate shock simulation.

Geographic exposure

Primary service area covers San Joaquin, Stanislaus, Tuolumne, Sacramento, and Placer counties in California, plus the Eastern Sierra region, as described in the 10-K filed 2026-03-25.

Source: SEC 10-K, filed 2026-03-25

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