Oak Valley Bancorp (OVLY) Q4 2025 earnings summary

Executive summary

• Reported Q4 2025 net income of $6.34M ($0.76 EPS), down from $6.69M ($0.81 EPS) in Q3 2025, but up from $6.01M ($0.73 EPS) in Q4 2024.

• Full-year 2025 net income was $23.91M ($2.88 EPS), a 4.1% decrease from $24.95M ($3.02 EPS) in 2024.

• Achieved milestone of $2.02B in total assets at year-end 2025.

Financial highlights

• Net interest income for Q4 2025 was $19.46M, up from $17.85M in Q4 2024; full-year 2025 was $74.62M, up from $70.03M in 2024.

• Non-interest income for Q4 2025 was $1.83M, up from $1.43M in Q4 2024; full-year 2025 was $7.11M, up from $6.56M in 2024.

• Non-interest expense for Q4 2025 was $12.26M, up from $11.55M in Q4 2024; full-year 2025 was $50.27M, up from $46.02M in 2024.

• Gross loans at year-end 2025 were $1.14B, up $37.4M year-over-year.

• Deposits at year-end 2025 were $1.79B, up $97.3M year-over-year.

Outlook and guidance

• Management highlights strong liquidity and stable credit quality, with reserves deemed at acceptable levels despite industry concerns in commercial real estate.