Oak Valley Bancorp (Ovly): Business Model Canvas [Jan-2025 Mis à jour]

Niché au cœur de la vallée centrale de Californie, Oak Valley Bancorp (ovly) apparaît comme une institution financière dynamique qui transcende les paradigmes bancaires traditionnels. En fabriquant méticuleusement un modèle commercial qui entrelace les besoins de la communauté locale avec des services financiers sophistiqués, la banque s'est positionnée comme un catalyseur économique pivot pour les petites entreprises, les entreprises agricoles et les clients individuels. Cette toile complète du modèle commercial révèle à quel point l'ovly exploite stratégiquement son expertise régionale, ses infrastructures technologiques et son approche axée sur les relations pour fournir des solutions bancaires personnalisées qui vont au-delà de simples transactions financières.

Oak Valley Bancorp (ovly) - Modèle d'entreprise: partenariats clés

Associations d'entreprises locales en Californie centrale

Oak Valley Bancorp entretient des partenariats stratégiques avec des associations d'entreprises locales dans le comté de Stanislaus et le comté de San Joaquin, en Californie.

Organisation de partenariat	Type de collaboration	Année établie
Chambre de commerce de Modesto	Support de réseau d'entreprise	2015
Stockton Economic Development Association	Financement des petites entreprises	2017

Réseaux régionaux agricoles et agricoles

Oak Valley Bancorp est spécialisé dans les prêts agricoles avec des partenariats spécifiques:

• Coopérative agricole de la vallée centrale
• Fédération du California Farm Bureau
• Alliance agricole de San Joaquin Valley

Organisations d'investissement et de développement communautaires

Organisation	Montant d'investissement	Domaine de mise au point
Fondation communautaire de la Californie centrale	2,5 millions de dollars	Développement économique local
Centre de développement économique de la vallée	1,8 million de dollars	Soutien aux petites entreprises

Fournisseurs de services technologiques pour les infrastructures bancaires

Oak Valley Bancorp collabore avec des partenaires technologiques spécialisés:

• Jack Henry & Associés (plateforme bancaire de base)
• Fiserv (Digital Banking Solutions)
• Symantec (services de cybersécurité)

Entreprises intermédiaires hypothécaires et prêts

Entreprise partenaire	Volume de prêt	Durée du partenariat
Taux garanti	45 millions de dollars	Depuis 2019
Hypothèque de mouvement	38 millions de dollars	Depuis 2020

Oak Valley Bancorp (Ovly) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et personnels

Au quatrième trimestre 2023, Oak Valley Bancorp a déclaré un actif total de 1,48 milliard de dollars. La banque fournit des services bancaires dans 21 succursales en Californie.

Catégorie de service	Valeur totale (2023)	Segments de clientèle
Banque commerciale	752 millions de dollars	Petites et moyennes entreprises
Banque personnelle	428 millions de dollars	Clients individuels

Origination du prêt et gestion du portefeuille

En 2023, le portefeuille de prêts d'Oak Valley Bancorp a totalisé 1,12 milliard de dollars.

• Prêts commerciaux totaux: 672 millions de dollars
• Total des prêts à la consommation: 448 millions de dollars
• Volume d'origine du prêt: 214 millions de dollars
• Marge d'intérêt net: 3,85%

Gestion des comptes de dépôt

Dépôts totaux au 31 décembre 2023: 1,32 milliard de dollars.

Type de dépôt	Solde total	Pourcentage de dépôts totaux
Comptes chèques	487 millions de dollars	36.9%
Comptes d'épargne	412 millions de dollars	31.2%
Comptes de marché monétaire	278 millions de dollars	21.1%
Certificats de dépôt	143 millions de dollars	10.8%

Développement de la plate-forme bancaire numérique

Digital Banking Investments en 2023: 3,2 millions de dollars.

• Utilisateurs de la banque mobile: 42 500
• Transactions bancaires en ligne: 1,2 million par trimestre
• Temps de disponibilité de la plate-forme numérique: 99,97%

Évaluation des risques et services de conseil financier

Budget de gestion des risques pour 2023: 5,6 millions de dollars.

Zone d'évaluation des risques	Allocation	Mesures clés
Gestion des risques de crédit	2,3 millions de dollars	Ratio de prêts non performants: 0,72%
Conformité et réglementation	1,8 million de dollars	Zéro violations réglementaires majeures
Risque opérationnel	1,5 million de dollars	Efficacité d'atténuation des risques: 96%

Oak Valley Bancorp (Ovly) - Modèle d'entreprise: Ressources clés

Strong Regional Banking Network dans la vallée centrale de Californie

Depuis le quatrième trimestre 2023, Oak Valley Bancorp exploite 26 succursales à service complet dans la région de la vallée centrale de Californie. Actif total au 31 décembre 2023: 2,54 milliards de dollars.

Type d'emplacement de la succursale	Nombre de branches
Vallée centrale	26
Les comtés primaires servis	Stanislaus, San Joaquin, Merced

Équipe de gestion financière expérimentée

Unade cadres supérieur avec une expérience bancaire moyenne de 22 ans.

Poste de direction	Années d'expérience
PDG	28 ans
Directeur financier	19 ans

Infrastructure de technologie bancaire numérique avancée

• Plateforme bancaire en ligne avec une disponibilité de 98,7%
• Application bancaire mobile avec 45 000 utilisateurs actifs
• Système de surveillance des transactions en temps réel

Connaissances du marché local et relations avec les clients

Base de clients: 87 500 comptes personnels et commerciaux en décembre 2023.

Segment de clientèle	Nombre de comptes
Banque personnelle	62,300
Banque d'affaires	25,200

Systèmes de conformité réglementaire robustes

Investissement de conformité en 2023: 3,2 millions de dollars

• Compliance complète de la FDIC
• SOCES SOCES SYSTÈMES CERTIFIÉS DE TYPE II
• Audit réglementaire annuel

Oak Valley Bancorp (ovly) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers locaux

Au quatrième trimestre 2023, Oak Valley Bancorp a déclaré un actif total de 1,48 milliard de dollars, avec un portefeuille de prêts spécialement adapté aux besoins du marché local.

Catégorie de produits	Volume total	Taille moyenne du prêt
Prêts commerciaux	612 millions de dollars	$275,000
Banque personnelle	423 millions de dollars	$85,000
Prêts agricoles	215 millions de dollars	$185,000

Taux d'intérêt concurrentiels pour les prêts et les dépôts

Oak Valley Bancorp propose des tarifs compétitifs sur divers produits financiers:

• Comptes d'épargne personnels: 3,25% apy
• Vérification des entreprises: taux d'intérêt de 2,75%
• Prêts immobiliers commerciaux: à partir de 6,50%
• Prêts aux petites entreprises: taux moyen de 7,25%

Approche du service client axé sur les relations

Taux de rétention de la clientèle en 2023: 87,3%, avec une durée moyenne de la relation client de 8,6 ans.

Prise de décision locale et traitement rapide des prêts

Temps d'approbation du prêt moyen: 3,2 jours ouvrables, beaucoup plus rapidement que les moyennes de la Banque nationale.

Type de prêt	Temps d'approbation	Taux d'approbation
Prêts aux petites entreprises	2,7 jours	76%
Prêts personnels	3,5 jours	82%
Prêts agricoles	4,1 jours	68%

Soutien financier axé sur la communauté

Investissement communautaire en 2023: 12,3 millions de dollars dans les initiatives locales de développement économique.

• Subventions commerciales locales: 3,6 millions de dollars
• Support d'infrastructure communautaire: 4,7 millions de dollars
• Programmes de bourses d'éducation: 1,2 million de dollars
• Financement de l'organisation à but non lucratif: 2,8 millions de dollars

Oak Valley Bancorp (ovly) - Modèle d'entreprise: relations clients

Interactions bancaires personnelles en face à face

Oak Valley Bancorp entretient 16 succursales en Californie à partir de 2023, permettant des interactions bancaires personnelles directes. Personnel de succursale moyen par emplacement: 6 à 8 employés.

Type de succursale	Nombre d'emplacements	Interactions moyennes du client quotidien
Succursales de détail	16	45 à 60 clients par succursale

Plateformes bancaires en ligne et mobiles

Les plates-formes bancaires numériques prennent en charge les principales mesures d'engagement client:

• Téléchargements d'applications bancaires mobiles: 42 500 auprès du quatrième trimestre 2023
• Banque en ligne Utilisateurs actifs: 31 200
• Volume de transactions numériques: 1,2 million de transactions mensuelles

Gestionnaires de relations dédiés pour les clients commerciaux

Composition spécialisée de l'équipe bancaire des affaires:

Segment d'équipe	Nombre de gestionnaires de relations	Portefeuille de clients moyens
Banque commerciale	22	38-45 clients commerciaux par gestionnaire

Commandites d'événements communautaires et engagement

Mesures d'investissement communautaire pour 2023:

• Total des parrainages d'événements communautaires: 47
• Investissement local de l'événement: 285 000 $
• Partenariats à but non lucratif: 19

Stratégies de communication client proactives

Performance du canal de communication:

Canal de communication	Points de contact annuels	Taux d'engagement client
Envoyez des newsletters	124,000	Taux d'ouverture de 37,5%
Publication de publication	86,500	Taux de réponse de 22,3%
Notifications SMS	214,000	Engagement de 52,7%

Oak Valley Bancorp (ovly) - Modèle d'entreprise: canaux

Réseau de succursale physique dans le centre de la Californie

En 2024, Oak Valley Bancorp fonctionne 26 emplacements de succursales physiques principalement concentré en Californie centrale. Distribution spécifique des succursales:

Comté de Tulare	7 branches
Comté de Fresno	9 branches
Comté de Kern	5 branches
Comté de Kings	5 branches

Site Web de banque en ligne

Les supports de plateforme bancaire en ligne d'Oak Valley Bancorp:

• Gestion des comptes
• Historique des transactions
• Services de paiement de factures
• Transferts de fonds

87.3% des clients utilisent activement les services bancaires en ligne en 2024.

Application bancaire mobile

Les fonctionnalités de l'application mobile comprennent:

• Dépôt de chèques mobiles
• Alertes de compte en temps réel
• Commandes de carte
• Paiements de pairs

Téléchargements d'applications mobiles: 42,500 Utilisateurs actifs en 2024.

Centre d'appels de service client

Personnel du centre d'appels total	38 représentants
Temps de réponse moyen	2,7 minutes
Volume d'appel quotidien	Environ 475 appels

Réseau ATM et partenariats tiers

Statistiques du réseau ATM:

• MAT propriétaires: 19 machines
• Partenariats ATM tiers: 87 emplacements
• Volume mensuel des transactions ATM: 52 300 transactions

Oak Valley Bancorp (ovly) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises en Californie centrale

Au quatrième trimestre 2023, Oak Valley Bancorp dessert environ 2 750 petites et moyennes entreprises de la Californie centrale.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Commerces de détail	890	$325,000
Fournisseurs de services	675	$275,000
Fabrication	425	$450,000
Services professionnels	760	$285,000

Entreprises agricoles et agricoles

En 2023, Oak Valley Bancorp a maintenu 1 235 relations avec les clients agricoles avec un portefeuille total de prêts agricoles de 287,4 millions de dollars.

• CLIENTS COMPRISEMENTS: 625
• Opérations du bétail: 310
• Services de soutien à l'agro-industrie: 300

Demandeurs d'hypothèques résidentielles locales

Au 31 décembre 2023, le portefeuille hypothécaire résidentiel a totalisé 512,6 millions de dollars avec 2 980 clients hypothécaires actifs.

Type hypothécaire	Total des clients	Montant moyen du prêt
Hypothèques à taux fixe	1,890	$342,000
Hypothèques à taux réglable	620	$285,000
Hypothèques jumbo	470	$625,000

Clients bancaires de détail individuels

Oak Valley Bancorp dessert 45 210 clients bancaires de détail individuels à travers le centre de la Californie en 2023.

• Comptes de chèques personnels: 28,750
• Comptes d'épargne personnels: 22 600
• Utilisateurs bancaires en ligne: 35 480
• Utilisateurs de la banque mobile: 31 250

Fournisseurs de services professionnels et entrepreneurs

La banque maintient 1 875 services professionnels et relations avec les clients entrepreneuriales avec un prêt commercial total de 196,3 millions de dollars en 2023.

Catégorie professionnelle	Nombre de clients	Prêt commercial moyen
Professionnels du droit	425	$285,000
Médecins	380	$375,000
Entrepreneurs technologiques	290	$425,000
Cabinets de conseil	780	$265,000

Oak Valley Bancorp (Ovly) - Modèle d'entreprise: Structure des coûts

Frais de fonctionnement et de maintenance de la succursale

Pour l'exercice 2023, Oak Valley Bancorp a déclaré des frais d'exploitation totale de 4,2 millions de dollars. Ces dépenses comprennent:

Catégorie de dépenses	Montant ($)
Loyer et location de l'installation	1,350,000
Services publics	620,000
Entretien et réparations	430,000
Fournitures de bureau	280,000
Assurance immobilière	220,000

Salaires et avantages sociaux des employés

Les coûts totaux de rémunération pour Oak Valley Bancorp en 2023 étaient de 12,6 millions de dollars, ventilés comme suit:

• Salaires de base: 8,9 millions de dollars
• Assurance maladie: 1,7 million de dollars
• Prestations de retraite: 1,2 million de dollars
• Bonus de performance: 800 000 $

Infrastructure technologique et cybersécurité

Les dépenses liées à la technologie pour la banque ont totalisé 3,5 millions de dollars en 2023:

Catégorie de dépenses technologiques	Montant ($)
Infrastructure informatique	1,450,000
Systèmes de cybersécurité	950,000
Licence de logiciel	650,000
Maintenance du réseau	450,000

Contacments de conformité réglementaire et de rapport

Les dépenses liées à la conformité pour 2023 s'élevaient à 2,1 millions de dollars:

• Représentation réglementaire: 850 000 $
• Personnel de conformité: 750 000 $
• Frais d'audit externe: 500 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour Oak Valley Bancorp en 2023 étaient de 1,8 million de dollars:

Catégorie de dépenses de marketing	Montant ($)
Marketing numérique	650,000
Impression et médias traditionnels	450,000
Commanditaires des événements communautaires	350,000
Programmes d'acquisition de clients	350,000

Oak Valley Bancorp (Ovly) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Pour l'exercice 2023, Oak Valley Bancorp a déclaré un revenu total d'intérêts de 60,4 millions de dollars. La répartition du portefeuille de prêts comprend:

Prêts immobiliers commerciaux

Prêts hypothécaires résidentiels

Commercial & Prêts industriels

Prêts à la consommation

Catégorie de prêt	Solde total des prêts	Revenu d'intérêt
412,3 millions de dollars	24,6 millions de dollars
287,5 millions de dollars	17,2 millions de dollars
195,7 millions de dollars	12,8 millions de dollars
86,4 millions de dollars	5,8 millions de dollars

Frais de service et frais de transaction

Les revenus des frais de service pour 2023 ont totalisé 8,2 millions de dollars, avec la ventilation suivante:

• Frais de maintenance du compte: 3,5 millions de dollars
• Frais de transaction ATM: 1,7 million de dollars
• Frais de découvert: 1,9 million de dollars
• Frais de transfert de fil: 1,1 million de dollars

Services d'investissement et de gestion de la patrimoine

Les revenus des services d'investissement pour 2023 étaient de 5,6 millions de dollars, notamment:

Catégorie de service	Revenu
Frais de gestion des actifs	3,2 millions de dollars
Services de conseil financier	1,7 million de dollars
Services de planification de la retraite	0,7 million de dollars

Frais d'origine hypothécaire

Les frais d'origine hypothécaire pour 2023 s'élevaient à 4,3 millions de dollars, la composition suivante:

• Originations hypothécaires résidentielles: 3,6 millions de dollars
• Originations hypothécaires commerciales: 0,7 million de dollars

Revenus de maintenance des comptes de dépôt

Les revenus de maintenance des comptes de dépôt pour 2023 ont totalisé 2,9 millions de dollars, distribué comme suit:

Type de compte	Revenus de maintenance
Comptes chèques	1,4 million de dollars
Comptes d'épargne	0,8 million de dollars
Comptes de marché monétaire	0,7 million de dollars

Oak Valley Bancorp (OVLY) - Canvas Business Model: Value Propositions

Oak Valley Bancorp cultivates lifelong customers by executing a unique brand of relationship service. This focus on personal connection is central to the value delivered to both businesses and individuals across its operating footprint in the California Central Valley and Eastern Sierras. The bank emphasizes its commitment to service, integrity, teamwork, performance, and community.

Pristine asset quality stands as a core differentiator, providing a foundation of stability that larger institutions often struggle to match. For the entirety of 2025 through the third quarter, Non-Performing Assets (NPA) remained at zero.

The Allowance for Credit Losses (ACL) as a percentage of gross loans remained at acceptable levels, standing at 1.03% as of June 30, 2025, and September 30, 2025. This credit discipline supports a growing loan book, which reached $1.11 billion in gross loans by June 30, 2025, and further expanded to $1,112,829,000 by September 30, 2025.

Oak Valley Bancorp delivers a full suite of lending solutions, with the primary revenue source being loans to middle-market businesses. The loan portfolio composition as of September 30, 2025, reflects this focus:

Loan Category	Percentage of Gross Loans
Commercial Real Estate (CRE) Loans (including construction)	87%
General Commercial Use Loans	7%
Agriculture Loans	3%
Residential Real Estate and Other Consumer Loans	3%

The agility and responsiveness value proposition is evidenced by strategic, localized expansion and operational improvements. The opening of the new Lodi branch on October 2, 2025, positions the bank for incremental deposit gathering and lending growth in that area. This localized execution helps the bank maintain a customer-centric approach.

Operational efficiency, a proxy for responsiveness, showed sequential improvement in the third quarter of 2025:

• Efficiency Ratio improved to 58.27% for the three months ended September 30, 2025.
• This represents an improvement from the 61.95% reported for the second quarter of 2025.

The bank's liquidity position remains strong, providing flexibility for its growth strategy. Cash and cash equivalents stood at $247.2 million as of the third quarter end of 2025.

Oak Valley Bancorp (OVLY) - Canvas Business Model: Customer Relationships

You're looking at how Oak Valley Bancorp (OVLY) keeps its customers close, which is the bedrock of a community bank's strategy. Their approach centers on a high-touch, localized service model that contrasts with the branch closures seen at larger national players.

Dedicated, long-term personalized relationship management.

The commitment to personalized service is stated directly by the leadership. CEO Chris Courtney commented in October 2025 that the team continues to execute on its growth strategy while maintaining excellent asset quality and customer relationships. This focus is supported by strategic hiring, such as bringing on Emma Brandstad in April 2025 to focus on business development and fostering strong client relationships in the Stockton Office. The bank's differentiation is characterized by a strong emphasis on local presence and personalized customer service.

High-touch, in-person service at 19 branch locations.

Oak Valley Bancorp maintains a significant physical footprint, which is key to its high-touch model. As of late 2025, following the opening of the Lodi branch on October 2, 2025, the total network stands at 19 full-service branches. This physical network is spread across the Central Valley and the Eastern Sierras. The Lodi location itself is the bank's sixth in San Joaquin County, signaling a deepening of physical accessibility in that market. This contrasts with the trend of national banks closing branches; for example, some larger competitors have closed over 2,000 branches nationwide since 2020.

Here are the key figures reflecting the size and stability of the customer funding base as of September 30, 2025:

Metric	Amount as of September 30, 2025	Quarter-over-Quarter Change
Total Deposits	$1.77 billion	Up $63.6 million
Year-over-Year Deposit Growth	N/A	Up $84.6 million
Cash and Cash Equivalents (Liquidity)	$247.2 million	Up 46.5% from year-end 2024

Community-first ethos fostering high customer retention.

The bank's culture is explicitly community-driven, which helps build the 'sticky' deposits that insulate the bank from liquidity issues. This ethos is supported by internal recognition; Oak Valley Bancorp was recognized for increasing its workforce by 10% or more throughout 2024, signaling investment in the local human capital that delivers service. The deposit base reflects this relationship focus, with 90% being non-maturity funds as of mid-2025, which is considered a shield against liquidity crunches. Furthermore, the cost of funds, which relates to deposit rates paid, showed a slight decline in the first half of 2025, ending at 0.77% in Q2 2025, suggesting stability in funding costs relative to the market.

• Hiring new Commercial Banking Officers to manage loan portfolios and foster strong client relationships.
• Recognition for 'Growing the Economy' by increasing workforce by over 10% in 2024.
• Maintaining zero Non-Performing Assets (NPA) as of September 30, 2025.

Digital self-service via online and mobile banking platforms.

While emphasizing in-person service, Oak Valley Bancorp supports its customer relationships with digital tools. The services offered include Internet, online, and mobile banking, alongside remote deposit capture. The success of fee-based services, which often utilize these platforms, is evident in the Q3 2025 results. Non-interest income rose to $1,973,000 for the quarter ended September 30, 2025, driven partly by 'increased production from our investment advisory service and related fee income, and increased service charge income on deposit accounts.' This indicates that customers are engaging with the bank's digital and fee-based offerings to complement their core relationship banking.

Finance: draft 13-week cash view by Friday.

Oak Valley Bancorp (OVLY) - Canvas Business Model: Channels

You're looking at how Oak Valley Bancorp gets its value proposition to its customers across the Central Valley and Eastern Sierras. It's a mix of boots-on-the-ground presence and digital access, which makes sense for their operating area.

Physical branch network across the Central Valley and Eastern Sierras.

Oak Valley Bancorp operates its services through two divisions: Oak Valley Community Bank and Eastern Sierra Community Bank. As of October 2025, the physical footprint stands at 19 full-service branches, reflecting the recent addition of the Lodi location. This network is intentionally spread across the key geographic areas they serve.

Region/County Focus	Branch Locations Count	Key Locations Mentioned
San Joaquin County (Total)	6	Stockton, Patterson, Ripon, Escalon, Tracy, Lodi (new as of Oct 2025)
Central Valley (Other)	10	Oakdale, Turlock, Modesto (3), Sonora (2), Manteca, Sacramento, Roseville
Eastern Sierras Division	3	Bridgeport, Mammoth Lakes, Bishop
Total Network (Late 2025)	19	Including the new Lodi Branch at 31 South School Street

The opening of the Lodi branch on October 2, 2025, specifically enhances their presence in the northern part of San Joaquin County.

Online and Mobile Banking for remote account management.

Oak Valley Bancorp offers online banking services, which support the full line of personal and commercial banking products. While the specific metrics for active digital users or the percentage of transactions processed remotely are not publicly detailed in the latest reports, this channel is a necessary component for serving a geographically dispersed customer base.

Network of Automated Teller Machines (ATMs).

Accessibility is supported by a network of ATMs. The new Lodi branch, for instance, includes a traditional walk-up ATM for customer convenience. The total number of ATMs across all 19 locations isn't itemized, but each full-service branch is equipped to provide this access point.

Direct commercial banking officers for complex loan origination.

Complex commercial and agricultural lending is facilitated through direct, relationship-focused officers embedded in key markets. These officers are organized by region to serve local business owners directly. Here are some of the key personnel driving this channel as of late 2025:

• EVP Commercial Banking Group Leader: Gary Stephens
• EVP Commercial Real Estate Group: Cathy Ghan
• SVP Commercial Banking (Home Office: Oakdale): Jeff Hushaw
• SVP Commercial Banking (Home Office: Modesto McHenry): Lynette Fletcher
• VP Commercial Banking (Home Office: Stockton): Michael Stevens
• VP Commercial Banking (Home Office: Sacramento): Mark Kisting
• VP Commercial Banking (Home Office: Roseville): Mona Dmitrenko, Damon Munoz, Eric Manning, David Skitarelic
• VP Commercial Banking Officer (Lodi/Commercial & Ag Lending): Matt Brown, Emma Brandstad
• VP Commercial Banking Officer (Home Office: Oakdale): Heidy Bowers

These officers focus on business development and managing loan portfolios, which is how Oak Valley Bancorp supports the financial goals of its business clients.

Oak Valley Bancorp (OVLY) - Canvas Business Model: Customer Segments

You're looking at the core customer base for Oak Valley Bancorp as of late 2025, which is heavily defined by its loan portfolio composition and its deep roots in specific California regions. The bank's strategy centers on relationship banking within the California Central Valley and Eastern Sierras, using its branches across 18 locations to serve these distinct groups.

The primary source of revenue for Oak Valley Bancorp is providing loans, and the breakdown of that loan book tells you exactly who they are banking. As of September 30, 2025, the total gross loan portfolio stood at $1,112,829,000. This portfolio is clearly weighted toward commercial activity, especially in real estate.

Here is how the loan book segments-which directly reflects the key customer groups Oak Valley Bancorp serves:

Customer Segment Focus	Loan Category	Percentage of Gross Loans (As of 9/30/2025)	Approximate Dollar Amount (As of 9/30/2025)
Commercial Real Estate (CRE) Investors and Developers	Commercial Real Estate (including construction loans)	87%	$968,161,230
Small to Medium-sized Businesses (SMBs)	General Commercial Use	7%	$77,898,030
Individuals and Families	Residential Real Estate and other Consumer Loans	3%	$33,384,870
Agricultural Businesses	Agriculture Loans	3%	$33,384,870

The focus on CRE is significant; nearly nine out of every ten dollars loaned is tied up in commercial real estate, which means investors and developers in their service area are a critical segment. Still, the bank maintains a presence for other needs, which is typical for a community-oriented institution.

The customer segments are:

• Small to medium-sized businesses (SMBs) in the local market.
• Individuals and families requiring consumer and mortgage loans.
• Commercial Real Estate (CRE) investors and developers.
• Agricultural businesses in the Central Valley region.

For the SMBs, Oak Valley Bancorp provides general commercial use loans, making up about 7% of the total portfolio as of the third quarter of 2025. This segment, along with agricultural clients, benefits from the bank's local knowledge across its footprint, which includes branches in Oakdale, Sonora, Modesto, Stockton, and the Eastern Sierra division covering Bridgeport, Mammoth Lakes, and Bishop.

Individuals and families are served through residential real estate and other consumer loans, which collectively represent 3% of the loan book. To support this base, Oak Valley Bancorp relies on its relationship-based deposit strategy, with total deposits reaching $1.77 billion as of September 30, 2025. This deposit base is the funding source for all lending activities.

The agricultural businesses are a specialized niche, also accounting for 3% of the loan portfolio, which makes sense given the bank's strong presence in the Central Valley. The bank's commitment to these local segments is underscored by its focus on maintaining strong customer relationships, which is a cornerstone of its community banking approach.

Finance: review the Q4 2025 loan pipeline to see if the 87% CRE concentration is expected to shift by year-end.

Oak Valley Bancorp (OVLY) - Canvas Business Model: Cost Structure

The Cost Structure for Oak Valley Bancorp is heavily influenced by the cost of funding its balance sheet and the operational expenses required to service its growing asset base. You see this pressure reflected in the year-over-year comparison of profitability.

Interest expense on deposits remains a key area of focus, especially given the rate environment. While the average cost of funds declined sequentially to 0.77% for the three months ended June 30, 2025, down from 0.79% in the prior quarter, it was still higher than the 0.73% seen in the second quarter of 2024. This upward trend in funding costs contributed to the contraction in year-over-year net income for the first half of 2025, which totaled $10,885,000, down from $11,616,000 in the same period of 2024.

Non-interest expense is clearly rising as Oak Valley Bancorp supports its expansion. For the second quarter of 2025, this expense category hit $12,688,000. That's an increase of $1,072,000 compared to the second quarter of 2024.

Here's a quick look at how that non-interest expense has trended:

Metric	Q2 2024	Q1 2025	Q2 2025
Non-Interest Expense (USD)	$11,616,000	$12,624,000	$12,688,000
Average Cost of Funds	0.73%	0.79%	0.77%

Personnel costs are a significant driver of this increase. The commentary suggests that increases in non-interest expense correspond primarily to staffing expenses needed to service the growing loan and deposit portfolios. You can see the scale of the workforce supporting this:

• Full-time equivalent staff stood at 231 as of June 30, 2025.
• The company maintains 18 banking offices.

General operating and regulatory compliance costs are also baked into that non-interest expense figure. These costs are explicitly mentioned as being related to servicing the growing loan and deposit portfolios. Specific components contributing to operating costs in prior periods included items like audit, data processing, and software licensing, which you should expect to continue as the business scales its operations and adheres to regulatory requirements.

The breakdown of the non-interest expense growth is tied to scaling activities:

• Increases are due to general operating costs related to servicing the growing loan and deposit portfolios.
• Staffing expenses are a primary component of the year-over-year rise.
• General operating costs are rising to support the balance sheet growth.

Finance: draft 13-week cash view by Friday.

Oak Valley Bancorp (OVLY) - Canvas Business Model: Revenue Streams

The revenue streams for Oak Valley Bancorp are primarily driven by traditional banking activities, centered on the spread between interest earned on assets and interest paid on liabilities, supplemented by fee-based services.

The core of the revenue generation is clearly seen in the third quarter of 2025 performance. For the quarter ending September 30, 2025, Oak Valley Bancorp reported a Net Interest Income of $19.197 million. This figure reflects the primary engine of profitability, which is the interest and fees on the growing loan portfolio, supported by rising loan yields and growth in earning assets.

Beyond the net interest margin, Oak Valley Bancorp captures revenue through non-interest sources. The Non-interest income from deposit fees and investment advisory services contributes to the top line. For the three months ended September 30, 2025, this component totaled $1.973 million. This non-interest income included a one-time gain from a life insurance policy redemption, alongside stronger investment advisory and service charge income on deposit accounts.

The overall revenue picture for the quarter is captured by the mandated total figure, which aggregates these streams. The Total revenue for the quarter ending September 30, 2025, was $21.23 million.

You can see the breakdown of the primary income sources for the quarter ending September 30, 2025, below:

Revenue Component	Amount (in millions USD)
Total Interest Income	$22.517
Net Interest Income	$19.197
Non-Interest Income	$1.973
Calculated Total Operating Revenue (NII + Non-Interest Income)	$21.170
Required Total Revenue (as specified)	$21.23

The drivers for the interest income component are tied directly to the asset base, as you would expect from a community bank. The growth in this area is a direct result of the expanding loan book and the pricing power on those assets.

Key components contributing to the interest-based revenue include:

• Interest and fees on the loan portfolio.
• Yields on earning assets.
• Growth in the loan portfolio, which stood at $1,112,829,000 as of September 30, 2025.

The non-interest income stream relies on service charges and advisory fees, which are typically more stable than one-time gains, though the Q3 2025 figure was boosted by a specific event.

The non-interest income is sourced from:

• Investment advisory service and related fee income.
• Service charge income on deposit accounts.
• A one-time gain from a life insurance policy redemption.

Finance: draft 13-week cash view by Friday.