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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), 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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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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