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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.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), compared to $18.9M ($2.30 EPS) for the same period in 2024.
Growth in earning assets and loan yields drove quarterly improvement, while year-over-year decline was due to a prior-year credit loss reversal and higher operating expenses.
Financial highlights
Net interest income for Q3 2025 was $19.2M, up from $18.2M in Q2 2025 and $17.7M in Q3 2024.
Non-interest income rose to $2.0M, aided by a one-time life insurance gain and higher advisory and service fees.
Non-interest expense was $12.7M, flat sequentially but up from $11.3M year-over-year due to staffing and operational growth.
Total assets reached $2.00B, gross loans $1.11B, and deposits $1.77B as of September 30, 2025.
Outlook and guidance
Management continues to focus on growth strategy, asset quality, and customer relationships, highlighted by the opening of a new branch in Lodi.
Forward-looking statements caution about risks from interest rates, regulations, economic conditions, and competition.
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