Oak Valley Bancorp [ca] ( (OVLY) ) has released its Q3 earnings. Here is a breakdown of the information Oak Valley Bancorp [ca] presented to its investors.
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Oak Valley Bancorp, a bank holding company for Oak Valley Community Bank and Eastern Sierra Community Bank, operates in the financial sector, offering a range of loan and deposit products to individuals and small businesses across California.
In its latest earnings report for the third quarter of 2025, Oak Valley Bancorp announced a consolidated net income of $6.693 million, or $0.81 per diluted share, marking an increase from the previous quarter but a decrease compared to the same period last year. The company’s net interest income also saw an increase, driven by asset growth and improved loan yields.
Key financial highlights include a rise in net interest income to $19.197 million, up from $18.154 million in the prior quarter, and a net interest margin of 4.16%. Non-interest income increased to $1.973 million, bolstered by a one-time gain from a life insurance policy redemption and higher investment advisory service fees. However, non-interest expenses rose to $12.7 million, reflecting increased staffing and operational costs.
Oak Valley Bancorp’s total assets grew to $2 billion, with gross loans reaching $1.11 billion and total deposits at $1.77 billion. The company maintained a strong liquidity position with $247.2 million in cash and cash equivalents, and non-performing assets remained at zero.
Looking ahead, Oak Valley Bancorp remains focused on executing its growth strategy while maintaining asset quality and customer relationships, as evidenced by the recent opening of its 19th full-service branch in Lodi, California.