Short answer
Oak Valley Bancorp (OVLY) filed its Q3 2025 10-Q quarterly report on Nov 13, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $23M (up 6.5% year over year) with net income of $7M.
Q3 2025 key financials · XBRL
- Revenue
- $23M
- +6.5% YoY · +5.1% QoQ
- Net income
- $7M
- −8.6% YoY · +19.8% QoQ
- EPS (diluted)
- $0.81
- −9.0% YoY · +20.9% QoQ
Source: XBRL data from the Oak Valley Bancorp (OVLY) Q3 2025 10-Q on SEC EDGAR. USD.
Oak Valley Bancorp Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $6.693M, down $631K YoY; quarterly ROAA 1.35% vs 1.56%
- Net interest income $19.197M, up $1.542M YoY; net interest margin 4.16% vs 4.04%
- Best line: other non-interest income $787K, up 15.9%; worst: debit-card fees $415K, down 4.8%
- Cash and equivalents $78.404M higher, up 46.5%, through September 30, 2025
- Headwinds: higher operating expenses, changing interest rates, inflation, tariffs, credit risks, and economic slowdown uncertainty
Risk Factors
- No material risk-factor changes from December 31, 2024 Form 10-K
- Carried-forward regulatory risk unchanged since March 31, 2025 10-K
- No newly triggered legal, compliance, operational, competitive, or market risk disclosed
- No new liquidity, debt-maturity, currency, or concentration risk disclosed
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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