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Oak Valley Bancorp (OVLY) investor relations material
Oak Valley Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $6.7M ($0.81 EPS), up from $5.6M in Q2 2025 but down from $7.3M in Q3 2024; nine-month net income was $17.6M ($2.12 EPS), down from $18.9M ($2.30 EPS) year-over-year, mainly due to higher operating expenses and the absence of a prior-year credit loss reversal, offset by increased net interest income.
Growth in earning assets and loan yields drove quarterly improvement in net interest income.
Non-interest income increased, aided by a one-time gain on a life insurance policy redemption and higher advisory and service fees.
Non-interest expense rose year-over-year due to staffing and operational growth, but was flat sequentially.
Total assets grew 5.0% to $2.0B since year-end 2024; deposits rose 4.7% to $1.77B.
Financial highlights
Net interest income for Q3 2025 was $19.2M, up from $18.2M in Q2 2025 and $17.7M in Q3 2024; net interest margin was 4.16% for Q3 2025, up from 4.04% in Q3 2024.
Return on average assets (annualized) was 1.35% for Q3 and 1.22% for nine months, down from 1.56% and 1.38% year-over-year.
Return on average equity was 14.3% for Q3 2025, compared to 12.2% in Q2 2025 and 16.5% in Q3 2024.
Allowance for credit losses was $11.4M (1.03% of total loans) at September 30, 2025.
Efficiency ratio improved to 58.3% in Q3 2025 from 62.0% in Q2 2025.
Outlook and guidance
Management expects non-interest expense to continue rising with business growth but remains committed to cost control and growth strategy, highlighted by the opening of a new branch in Lodi.
Liquidity and capital resources are expected to be sufficient for at least the next twelve months.
Forward-looking statements caution about risks from interest rates, regulations, economic conditions, and competition.
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Next Oak Valley Bancorp earnings date
Q4 202526 Jan, 2026
Next Oak Valley Bancorp earnings date
Q4 202526 Jan, 2026
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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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