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Oak Valley Bancorp (OVLY) investor relations material
Oak Valley Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q2 2026 was $5.11M ($0.61 EPS), down from $5.31M in Q1 2026 and $5.59M in Q2 2025.
Six-month net income was $10.42M ($1.25 EPS), compared to $10.89M ($1.31 EPS) for the same period in 2025.
Loan growth and higher loan yields supported net interest income, while higher non-interest expense and lower non-interest income weighed on results.
Financial highlights
Net interest income for Q2 2026 was $18.94M, up from $18.82M in Q1 2026 and $18.15M in Q2 2025.
Non-interest income for Q2 2026 was $1.67M, down from $1.95M in Q1 2026 and $1.70M in Q2 2025.
Non-interest expense rose to $14.16M in Q2 2026 from $13.51M in Q1 2026 and $12.44M in Q2 2025.
Total assets at June 30, 2026 were $2.00B, up $80.67M year-over-year.
Gross loans reached $1.17B, up $18.26M sequentially and $55.86M year-over-year.
Outlook and guidance
Management emphasizes disciplined balance sheet management and a long-term, relationship-focused approach.
- Q1 2026 net income was $5.31M, with strong capital, stable credit, and higher non-interest income.OVLY
Q1 202612 May 2026 - Proxy covers director elections, auditor ratification, executive pay, governance, and risk oversight.OVLY
Proxy filing29 Apr 2026 - 2025 saw solid financials, leadership transition plans, and expanded community investment.OVLY
Proxy filing29 Apr 2026 - Annual meeting set for June 16, 2026, with votes on directors and auditor ratification.OVLY
Proxy filing29 Apr 2026 - Q4 2025 net income was $6.34M, with stable credit quality and a $0.375 dividend declared.OVLY
Q4 202526 Jan 2026 - Annual meeting to vote on directors, auditor, and executive pay, with strong governance focus.OVLY
Proxy Filing2 Dec 2025 - Q3 2025 net income rose sequentially, with asset growth and strong credit quality maintained.OVLY
Q3 202513 Nov 2025 - Q2 net income was $5.89M, with strong asset quality and a $0.225 dividend declared.OVLY
Q2 202413 Oct 2025 - Net income declined year-over-year, but credit quality and capital strength remain robust.OVLY
Q2 202513 Aug 2025
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