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Oak Valley Bancorp (OVLY) investor relations material
Oak Valley Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Jul, 2025
Executive summary
Net income for Q2 2025 was $5.59M, down from $5.89M in Q2 2024 but up from $5.30M in Q1 2025, mainly due to higher operating expenses and deposit costs, partially offset by increased net interest income and loan growth.
Six-month net income was $10.89M, down from $11.62M year-over-year.
Net interest income rose by $862K year-over-year for Q2 2025, driven by higher earning asset balances and loan yield repricing.
Non-interest expense increased $1.07M year-over-year, primarily from staffing and overhead for business growth.
Cash dividend of $0.30 per share declared for the six months ended June 30, 2025, payable August 8, 2025.
Financial highlights
Net interest income for Q2 2025 was $18.15M, up from $17.29M in Q2 2024 and $17.81M in Q1 2025.
Non-interest income was $1.70M in Q2 2025, down from $1.76M in Q2 2024.
Total assets at June 30, 2025 were $1.92B, up 1.1% since December 2024 and $80.4M year-over-year.
Gross loans reached $1.11B, up $18.9M sequentially and $39.8M year-over-year.
Basic EPS for Q2 2025 was $0.68, down from $0.72 in Q2 2024; diluted EPS was $0.67, down from $0.71.
Outlook and guidance
Management expects non-interest expense to continue rising with business growth but aims to control costs relative to expansion.
Liquidity and capital resources are expected to remain adequate for at least the next twelve months.
Management emphasizes a steady, cautious approach with focus on relationship-based deposit growth and competitive lending.
No material impact anticipated from recent regulatory or tax law changes.
Forward-looking statements note risks from interest rates, regulations, economic conditions, and competition.
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Next Oak Valley Bancorp earnings date
Q3 202521 Oct, 2025
Next Oak Valley Bancorp earnings date
Q3 202521 Oct, 2025
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Frequently asked questions
Oak Valley Bancorp is the bank holding company for Oak Valley Community Bank, which operates primarily in California. The bank provides a wide range of commercial banking services aimed at individuals and small to medium-sized businesses, particularly in the Central Valley and Eastern Sierra regions. Its offerings include various deposit products such as checking and savings accounts, along with lending products like commercial loans, real estate loans, and lines of credit. The company is headquartered in Oakdale, California, and its shares are listed on the NASDAQ.
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