Oak Valley Bancorp
investors.ovcb.comWhat Do They Do?
Provides commercial banking services, including deposit accounts and loans, to individuals and small and medium-sized businesses in the Central Valley and Eastern Sierras.
10-K for FY2025, filed Mar 25, 2026Oak Valley Community Bank. The Bank commenced operations in May 1991. The Bank is an insured bank under the Federal Deposit Insurance Act…View ↗
The Bank offers a complement of business checking and savings accounts for its business customers. The Bank also offers commercial and real…View ↗
We conduct business from our main office in Oakdale, a city of approximately 23,000 residents located in Stanislaus County, California.…View ↗
How Do They Make Money?
It earns interest on loans and other interest-producing assets, less interest it pays on interest-bearing liabilities. It also collects deposit and debit-card fees after transactions or monthly for account maintenance, and receives monthly investment-advisory fees from a broker-dealer for customers it refers.
10-K for FY2025, filed Mar 25, 2026
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10-K for FY2025, filed Mar 25, 2026
FY2025 revenue by product or service (Other income) ↗
$87.9M
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10-K for FY2025, filed Mar 25, 2026
$87.9M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Deposit Account
|
51%
FY2022: 47%
|
Deposit Account, FY2025
$1.8M Sources
|
|
|
Debit Card
Usage-based
|
48%
FY2022: 51%
|
Debit Card, FY2025
$1.7M Sources
|
Usage-based |
|
Mortgage Banking
|
1.0%
FY2022: 2.2%
|
Mortgage Banking, FY2025
$33K Sources
|
Who Are Their Customers?
Customers use the bank's branches and digital banking for account services, loans, and transactions; residential mortgages are available through a third party.
10-K for FY2025, filed Mar 25, 2026
Do Revenues Turn Into Profits?
Yes. It kept 27 cents of every revenue dollar as net income in FY2025 and turned 28 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 14, 2026
Open tableView ↗
Growing. Revenue grew 77% in 4 years, from $49.8M in FY2021 to $87.9M in FY2025, about 15% a year.
Who Do They Compete With?
Competes with Wells Fargo Bank, Bank of America, JP Morgan Chase Bank, U.S. Bank, BMO Bank, and Citibank
10-K for FY2025, filed Mar 25, 2026Regional Branch Competition. We consider our primary service area to be composed of the counties of San Joaquin, Stanislaus, Tuolumne…View ↗
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