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Oak Valley Bancorp OVLY · USD

Financials · US listing · 🇺🇸 United States

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34.68

+1.05%

Close of 9 Nov 2026, in USD

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About Oak Valley Bancorp

From its filings with the US Securities and Exchange Commission

SEC filings

Oak Valley Bancorp is based in Oakdale, California and is incorporated in California. Its shares trade on Nasdaq under the ticker OVLY. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $23.9m. At that date it held total assets of $2.02bn and shareholders' equity of $208.0m.

In its own words

Oak Valley Bancorp. Oak Valley Bancorp (the “Company”) serves as the parent bank holding company of Oak Valley Community Bank (the “Bank”), a California state-chartered bank. The Bank and the Company may be generally referred to as “we”, “us” or “our”). The Company was incorporated under the laws of the State of California on May 31, 1990, and began operations in Oakdale, California on May 28, 1991.

The Company’s only assets are the outstanding capital stock of the Bank, which the Company wholly owns, cash and income tax benefits receivable classified as other assets.

Oak Valley Community Bank. The Bank commenced operations in May 1991. The Bank is an insured bank under the Federal Deposit Insurance Act and is a member of the Federal Reserve. The Bank is subject to regulation, supervision and regular examination by the California Department of Financial Protection and Innovation (“DFPI”), the Federal Deposit Insurance Commission (“FDIC”) and the Federal Reserve Board (“FRB”). Since its formation, the Bank has provided basic banking services to individuals and business enterprises in Oakdale, California and the surrounding areas. The focus of the Bank is to offer a range of commercial banking services designed for both individuals and small to medium-sized businesses in the two main areas of service of the Bank: the Central Valley and the Eastern Sierras. The three branches in the Eastern Sierras operate as Eastern Sierra Community Bank, a division of the Bank.

Quoted from its 10-K, filed 25 Mar 2026. Read the filing on SEC.gov ↗

Company facts

Sector
Financials
Industry
Banks
Listed since
7 Feb 1997
Employees
217
Head office
125 N. THIRD AVE., OAKDALE, CA, 95361
Incorporated in
CA
Classification
State Commercial Banks
Filer status
Non-accelerated filer<br>Smaller reporting company

Leadership

Pay as last reported

  • Ms. Allison LaffertyIndependent Chairman of the Board$37,684
  • Mr. Richard MccartyPresident, Chief Operating Officer$785,605
  • Mr. Christopher CourtneyChief Executive Officer, Director, since 2008$980,578
  • Mr. Jeffrey GallChief Financial Officer, Executive Vice President, Secretary$421,238
  • Ms. Theresa RolandChief Human Resources Officer, Executive Vice President
  • Mr. Russell StahlExecutive Vice President, Chief Information Officer
  • Ms. Kimberly BookeExecutive Vice President, Chief Risk Officer
  • Ms. Julie DehartExecutive Vice President - Retail Banking Group
  • Ms. Cathy GhanExecutive Vice President - Commercial Real Estate Group
  • Mr. Michael RodriguesExecutive Vice President, Chief Credit Officer$698,015
  • Mr. Gary StephensExecutive Vice President - Commercial Banking Group$470,344
  • Mr. Erich HaidlenDirector

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
24
Environment
2
Social
28
Governance
41
Human rights policy
No

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Established Reputation: Oak Valley Bancorp has a strong and reputable presence in the banking industry, gained over years of operation.
  • Diversified Portfolio: The company offers a wide range of banking products and services, including consumer and commercial banking, wealth management, and specialized lending.

Weaknesses

  • Limited Geographic Presence: Oak Valley Bancorp operates primarily in a specific region, which limits its potential market reach and growth opportunities compared to larger national banks.
  • Reliance on Local Economy: Fluctuations in the regional economy can have a significant impact on the bank's performance, making it susceptible to economic downturns.

Opportunities

  • Expansion Possibilities: Oak Valley Bancorp could explore opportunities to expand its geographic reach into new markets, either through organic growth or strategic acquisitions.
  • Technological Advancements: Embracing digital banking solutions and investing in technology can enhance customer experience, improve operational efficiency, and attract a younger customer base.

Threats

  • Intense Competition: The banking industry is highly competitive, with large national and regional banks vying for market share. Oak Valley Bancorp faces the risk of losing customers to more established competitors.
  • Regulatory Challenges: Banks operate in a heavily regulated environment. Adapting to new and evolving regulatory requirements can be costly and time-consuming for Oak Valley Bancorp.

Sources and methodology

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