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Jun 30, 2025
Oak Valley Q2 2025 Earnings Report
Oak Valley Bancorp reported stable earnings growth and maintained strong credit quality in Q2 2025.
Key Takeaways
Oak Valley Bancorp posted net income of $5.6M with EPS of $0.67, driven by higher net interest income from loan growth. Credit quality remained strong with zero non-performing assets and a credit loss reserve ratio of 1.03%.
Net income increased to $5.6M compared to $5.3M in Q1 2025
Net interest margin improved slightly to 4.11%
Total assets stood at $1.92B with gross loans of $1.11B
Non-performing assets remained at 0%, indicating strong credit quality
Forward Guidance
Management expects steady loan growth and continued strong credit quality, supported by stable margins and improving funding costs.
Positive Outlook
- Strong loan growth and higher yields expected to support earnings
- Stable net interest margin projected to continue
- Improving cost of funds trend to aid profitability
- No provision for credit losses expected due to strong credit quality
- Dividend payments reinforce strong capital position
Challenges Ahead
- Deposit growth declined slightly QoQ
- Higher general operating expenses due to portfolio growth
- Rising competition for deposits could pressure margins
- Economic uncertainty may impact loan demand
- Potential regulatory changes could affect operational costs
Historical Earnings Impact
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Avg. Return Before/After Earnings
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