Oakdale, CA · Cert 33457 · Oak Valley Bcorp
State charter, Fed member · FED · 20 branches
Q2 2026
Market Position · Modesto, CA · 2026 SOD (annual) · 6.8% share · #6 of 17 inst. · $0.8B of $11.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.31% | 1.15% | 1.21% | 1.42% | 1.29% | 1.10% | 1.11% | -11 bps | |
| Return on Equity | 16.78% | 13.58% | 12.02% | 12.67% | 14.55% | 12.83% | 10.77% | 10.56% | -211 bps | |
| Net Interest Margin | 3.76% | 3.72% | 3.71% | 3.77% | 3.86% | 3.85% | 3.78% | 3.79% | +2 bps | |
| Efficiency Ratio | 57.23% | 58.42% | 62.21% | 60.79% | 58.13% | 56.10% | 63.20% | 64.82% | +403 bps | |
| Non-Interest Burden | 2.01% | 2.05% | 2.20% | 2.17% | 2.10% | 2.02% | 2.26% | 2.34% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.54% | 3.16% | 6.57% | 4.37% | 5.00% | 6.44% | 4.46% | 4.19% | -18 bps | |
| Loan Growth (YoY) | 10.70% | 8.85% | 4.91% | 3.67% | 3.47% | 3.35% | 5.18% | 5.03% | +136 bps | |
| Deposit Growth (YoY) | 1.45% | 2.76% | 6.26% | 4.03% | 4.98% | 5.72% | 3.95% | 3.08% | -94 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.40% | 0.42% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.74% | 0.01% | 0.00% | 0.01% | 0.00% | 0.01% | 0.00% | 0.60% | +60 bps | |
| Allowance / Loans | 1.07% | 1.04% | 1.05% | 1.03% | 1.03% | 1.08% | 1.13% | 0.96% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 2.7x | 2.7x | 223.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.41% | 10.51% | 10.67% | 10.92% | 10.81% | 10.94% | 11.09% | 11.48% | +56 bps | |
| Total Risk-Based Capital | 15.32% | 15.31% | 15.55% | 15.70% | 16.07% | 16.17% | 16.34% | 16.53% | +83 bps | |
| Equity / Assets | 9.72% | 9.62% | 9.52% | 9.65% | 9.92% | 10.26% | 10.22% | 10.79% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.50% | 65.14% | 63.55% | 64.73% | 62.59% | 63.68% | 64.31% | 65.96% | +122 bps | |
| Liquid Assets / Assets | 7.24% | 6.02% | 6.99% | 6.02% | 9.84% | 9.18% | 6.58% | 5.96% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 400% | 408% | 407% | n/a | n/a | |