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Oak Valley Community Bank

Oakdale, CA · Cert 33457 · Oak Valley Bcorp

State charter, Fed member · FED · 20 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

70

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

35

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oak Valley Community Bank

Oakdale, CA · Cert 33457 · Oak Valley Bcorp

State charter, Fed member · FED · 20 branches

Q2 2026

$2.0BAssets
$1.2BLoans
$1.8BDeposits
$216.0MEquity
Loan mix
94%RE $1.0B6%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $1.2B32%Noninterest $0.6BQ2 2025Q2 2026

NIM

4.38%Q2 ’244.40%Q2 ’254.49%Q2 ’26-1%+2%

Non-interest income vs. expense

2.44%Q2 ’242.48%Q2 ’252.64%Q2 ’26+3%+6%

Market Position · Modesto, CA · 2026 SOD (annual) · 6.8% share · #6 of 17 inst. · $0.8B of $11.5B

6.8% Stanislaus
3.4% San Joaquin
17.2% Tuolumne
41.3% Mono

Executive Summary

  • Earnings: ROA of 1.11%, down 8 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 11.48%, up 56 bps from a year ago.
  • Funding: loans stand at 65.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+7 bps YoY

Efficiency Ratio (YTD, annualized)

64.00%+251 bps YoY

Tier 1 Leverage Ratio

11.48%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.26%1.27%1.10%1.11%-8 bps
Return on Equity12.34%13.03%12.96%10.77%10.61%-173 bps
Net Interest Margin3.73%3.70%3.69%3.78%3.81%+7 bps
Efficiency Ratio61.49%60.31%59.21%63.20%64.00%+251 bps
Non-Interest Burden2.18%2.11%2.06%2.26%2.31%+14 bps
Growth
Asset Growth (YoY)4.37%5.00%6.44%4.46%4.19%-18 bps
Loan Growth (YoY)3.67%3.47%3.35%5.18%5.03%+136 bps
Deposit Growth (YoY)4.03%4.98%5.72%3.95%3.08%-94 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.40%0.42%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.00%0.30%+30 bps
Allowance / Loans1.03%1.03%1.08%1.13%0.96%-7 bps
Allowance Coverage of NPLsn/an/a2.7x2.7x223.4xn/a
Capital
Tier 1 Leverage Ratio10.92%10.81%10.94%11.09%11.48%+56 bps
Total Risk-Based Capital15.70%16.07%16.17%16.34%16.53%+83 bps
Equity / Assets9.65%9.92%10.26%10.22%10.79%+114 bps
Liquidity & Funding
Loans / Deposits64.73%62.59%63.68%64.31%65.96%+122 bps
Liquid Assets / Assets6.02%9.84%9.18%6.58%5.96%-6 bps
CRE / Total Capitaln/a400%408%407%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Oak Valley Community Bank

Oakdale, CA · Cert 33457 · Peer group: banks $1B-$10B in assets (n=322-328) · Oak Valley Bcorp

State charter, Fed member · FED · 20 branches

Q2 2026

$2.0BAssets
$1.2BLoans
$1.8BDeposits
$216.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 97% of banks $1B-$10B in assets (rank 12 of 322).
  • Widest gap: net charge-offs / loans trails 80% of banks $1B-$10B in assets (rank 260 of 322).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.11%

Rank 198 of 328

Net Interest Margin

3.81%

Rank 85 of 328

Efficiency Ratio

64.00%

Rank 213 of 328

Equity / Assets

10.79%

Rank 138 of 328

Non-interest income vs. expense

$6.5M$53.0MINCOMEEXPENSE
Unfavorable gap of $46.5M · efficiency ratio beats 35% of banks $1B-$10B in assets
Bank 64.00%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.91%1.22%1.52%Beats 40%198 / 328
Return on Equity10.30%8.43%11.45%14.43%Beats 39%201 / 328
Net Interest Margin3.81%3.03%3.45%3.83%Beats 74%85 / 328
Efficiency Ratio64.00%51.61%59.56%67.53%Beats 35%213 / 328
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.51%1.03%Beats 97%12 / 322
Net Charge-Offs / Loans0.15%0.01%0.03%0.10%Beats 20%260 / 322
Capital
Tier 1 Capital Ratio15.72%11.75%13.15%15.47%Beats 77%76 / 328
Total Risk-Based Capital Ratio16.53%12.63%14.15%16.46%Beats 76%80 / 328
Equity / Assets10.79%9.15%10.33%12.01%Beats 58%138 / 328
Liquidity & Funding
Loans / Deposits65.96%76.63%87.92%95.36%12th pctl285 / 323
Loans / Assets58.15%65.18%74.15%79.98%15th pctl278 / 328
Brokered Deposits / Depositsn/aNot reported for this institution