| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 29.26% | 32.57% | 37.42% | 34.89% | 30.11% | 27.50% | — | — | — | — | — | — |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt / Equity | — | — | — | — | — | — | — | — | — | — | — | — |
| ROE | 11.50% | 13.60% | 18.57% | 18.09% | 11.46% | 10.55% | 11.09% | 11.65% | 10.02% | 9.30% | 6.27% | 9.49% |
| ROA | 1.18% | 1.31% | 1.67% | 1.16% | 0.83% | 0.91% | 1.09% | 1.05% | 0.88% | 0.76% | 0.55% | 0.95% |
| Asset Turnover | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | — | — | — | — | — | — |
| Book Value / Share | 25.23 | 22.32 | 20.27 | 15.50 | 17.55 | 15.97 | 13.87 | 12.23 | 11.23 | 10.20 | 9.74 | 9.39 |
Oak Valley Bancorp is a financial services company that operates as the holding entity for Oak Valley Community Bank. Its primary function is to serve as a community-oriented bank, focusing on providing a wide range of financial products and services tailored to meet the needs of individuals, families, and businesses within its local market area. The bank offers traditional savings and checking accounts, commercial and consumer loans, mortgage products, and various business banking solutions, such as cash management and remote deposit capture. Oak Valley Bancorp plays a significant role in the regional economic landscape by facilitating local commerce and supporting community development. Its commitment to personalized customer service and community involvement distinguishes it in the financial sector. The company is primarily concentrated in California's Central Valley and Eastern Sierra regions, where it has established a significant presence over the years. In the broader market context, Oak Valley Bancorp represents a stable banking entity with roots deep in the community banking tradition, offering a blend of personal connection and financial expertise that supports the economic vitality of the areas it serves.