Oak Valley Bancorp Q2 2026: Net income falls 8.5% to $5.1M on higher expenses, credit costs

Filed August 14, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 13, 2025 · ~2 min read

Key Changes

• high

  Net income declined 8.5% to $5.1M in Q2 2026 from $5.6M in Q2 2025, driven by higher operating expenses to support growth. Diluted EPS fell 9.0% to $0.61. Return on average equity dropped from 12.21% to 9.74%.

  MD&A: Net Income verify on EDGAR →
• high

  A $4.6M non-accrual commercial real estate loan was partially charged off and the remaining $2.6M fair value transferred to foreclosed property (OREO) in Q2 2026. Non-performing assets rose from zero at June 2025 to $2.6M at June 2026.

  MD&A: Asset Quality verify on EDGAR →
• high

  Provision for credit losses totaled $485K year-to-date 2026 versus zero in the prior year, driven by a specific allowance for the commercial real estate loan.

  MD&A: Credit Loss Provision verify on EDGAR →