Oak Valley Bancorp (OVLY) has seen its shares increase by 25.9% over the past year, outpacing the banking industry’s growth of 18.7%. In comparison, peers BayCom Corp (BCML) and CVB Financial Corp (CVBF) reported gains of 17.5% and 7.6%, respectively. As of March 31, 2026, Oak Valley’s gross loans reached approximately $1.1 billion, with net interest income totaling $18.8 million, reflecting a year-over-year increase of $1 million.
The bank, which operates 19 branches across California’s Central Valley and Eastern Sierra regions, has a strong net interest margin of 4.12%. Its credit quality remains robust, with non-performing loans accounting for just 0.40% of total loans. Despite challenges such as high exposure to commercial real estate lending and rising operating costs, Oak Valley Bancorp is maintaining a solid capital position of over $206 million in shareholders’ equity and generating consistent quarterly earnings of approximately $5.3 million.
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