Oak Valley Bancorp(NASDAQ) OVLY

Oak Valley Bancorp helps local families and businesses manage their money. It provides checking, savings, and loans to residents in California. The bank makes it easier for small businesses to grow.

Local Tools for Local Growth

• Business Banking Services: Specialized checking and savings accounts for commercial clients; includes electronic payment processing and online management tools.
• Commercial Lending Solutions: Real estate and operational financing for small to mid-sized businesses; includes loans backed by the Small Business Administration (SBA).
• Consumer Financial Tools: Personal deposit accounts and revolving lines of credit for individual residents; includes vehicle and home mortgage financing.
• Banking Convenience Features: Mobile banking and remote deposit systems; provides nationwide automated teller machine (ATM) access and merchant processing services.

Expanding the California Footprint

• Opened a new full-service branch in Lodi in October 2025 to increase local market presence.
• Committed an additional $5 million to a low-income housing tax credit project during the first quarter of 2025.
• Increased staffing levels during the first half of 2026 to support larger business loan portfolios.

Rooted in Local Communities

The bank maintains a network of full-service branches throughout California's Central Valley and Eastern Sierra regions. Its localized Eastern Sierra Community Bank division serves remote mountain communities through specialized branch offices. The bank manages its performance by tracking net interest income, which is the difference between interest earned on loans and interest paid on deposits.

A Look at the Latest Numbers

• Net income was $5.1 million in the three-month period ended June 30, 2026, down from $5.6 million year over year.
• Net interest income rose $1.8 million in the six-month period ended June 30, 2026, compared to the same period in 2025.
• Total deposits reached $1.8 billion as of June 30, 2026, down 1.6% from December 31, 2025.
• Non-interest expense rose 11.6% year over year for the six-month period ended June 30, 2026.
• The allowance for credit losses, which is a reserve for potential unpaid loans, totaled $11.2 million as of June 30, 2026.

Story of a Community Bank

Oak Valley Bancorp has expanded from its roots in Oakdale to serve diverse California regions. Its model focuses on providing traditional community banking services while growing its commercial lending business.