Oak Valley Bancorp (ovly): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Aninhado no coração do vale central da Califórnia, o Oak Valley Bancorp (ovly) surge como uma instituição financeira dinâmica que transcende os paradigmas bancários tradicionais. Ao criar meticulosamente um modelo de negócios que entrelaça as necessidades da comunidade local com os sofisticados serviços financeiros, o banco se posicionou como um catalisador econômico crucial para pequenas empresas, empresas agrícolas e clientes individuais. Esta tela abrangente de modelo de negócios revela o quão ovinosamente alavanca estrategicamente sua experiência regional, infraestrutura tecnológica e abordagem orientada por relacionamento para fornecer soluções bancárias personalizadas que vão além de meras transações financeiras.

Oak Valley Bancorp (ovly) - Modelo de negócios: Parcerias -chave

Associações comerciais locais na Califórnia Central

O Oak Valley Bancorp mantém parcerias estratégicas com associações comerciais locais no condado de Stanislaus e no Condado de San Joaquin, Califórnia.

Organização de Parceria	Tipo de colaboração	Ano estabelecido
Câmara de Comércio Modesto	Suporte à rede de negócios	2015
Associação de Desenvolvimento Econômico de Stockton	Financiamento para pequenas empresas	2017

Redes agrícolas e agrícolas regionais

Oak Valley Bancorp é especializado em empréstimos agrícolas com parcerias específicas:

• Cooperativa Agrícola do Vale Central
• Federação do Bureau da Fazenda da Califórnia
• Aliança Agrícola de San Joaquin Valley

Organizações de investimento e desenvolvimento comunitário

Organização	Valor do investimento	Área de foco
Fundação Comunitária Central da Califórnia	US $ 2,5 milhões	Desenvolvimento Econômico Local
Centro de Desenvolvimento Econômico do Vale	US $ 1,8 milhão	Suporte para pequenas empresas

Provedores de serviços de tecnologia para infraestrutura bancária

Oak Valley Bancorp colabora com parceiros de tecnologia especializados:

• Jack Henry & Associados (Core Banking Platform)
• Fiserv (Digital Banking Solutions)
• Symantec (Serviços de segurança cibernética)

Empresas intermediárias de hipoteca e empréstimo

Empresa parceira	Volume de empréstimo	Duração da parceria
Taxa garantida	US $ 45 milhões	Desde 2019
Hipoteca de movimento	US $ 38 milhões	Desde 2020

Oak Valley Bancorp (ovly) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

A partir do quarto trimestre de 2023, o Oak Valley Bancorp registrou ativos totais de US $ 1,48 bilhão. O banco fornece serviços bancários em 21 agências na Califórnia.

Categoria de serviço	Valor total (2023)	Segmentos de clientes
Bancos comerciais	US $ 752 milhões	Pequenas a médias empresas
Bancos pessoais	US $ 428 milhões	Clientes individuais

Origem de empréstimos e gerenciamento de portfólio

Em 2023, a carteira de empréstimos de Oak Valley Bancorp totalizou US $ 1,12 bilhão.

• Empréstimos comerciais totais: US $ 672 milhões
• Empréstimos ao consumidor total: US $ 448 milhões
• Volume de originação de empréstimos: US $ 214 milhões
• Margem de juros líquidos: 3,85%

Gerenciamento de conta de depósito

Total de depósitos em 31 de dezembro de 2023: US $ 1,32 bilhão.

Tipo de depósito	Balanço total	Porcentagem do total de depósitos
Contas de verificação	US $ 487 milhões	36.9%
Contas de poupança	US $ 412 milhões	31.2%
Contas do mercado monetário	US $ 278 milhões	21.1%
Certificados de depósito	US $ 143 milhões	10.8%

Desenvolvimento da plataforma bancária digital

Investimentos bancários digitais em 2023: US $ 3,2 milhões.

• Usuários bancários móveis: 42.500
• Transações bancárias online: 1,2 milhão por trimestre
• Tempo de atividade da plataforma digital: 99,97%

Avaliação de risco e serviços de consultoria financeira

Orçamento de gerenciamento de riscos para 2023: US $ 5,6 milhões.

Área de avaliação de risco	Alocação	Métricas -chave
Gerenciamento de risco de crédito	US $ 2,3 milhões	Razão de empréstimos sem desempenho: 0,72%
Conformidade e regulamentação	US $ 1,8 milhão	Zero grandes violações regulatórias
Risco operacional	US $ 1,5 milhão	Eficácia de mitigação de risco: 96%

Oak Valley Bancorp (ovly) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional no Vale Central da Califórnia

A partir do quarto trimestre 2023, o Oak Valley Bancorp opera 26 agências de serviço completo na região central do vale da Califórnia. Total de ativos em 31 de dezembro de 2023: US $ 2,54 bilhões.

Tipo de localização da filial	Número de ramificações
Vale Central	26
Condados primários serviram	Stanislaus, San Joaquin, Merced

Equipe de gestão financeira experiente

Liderança executiva sênior com experiência bancária média de 22 anos.

Posição de liderança	Anos de experiência
CEO	28 anos
Diretor Financeiro	19 anos

Infraestrutura de tecnologia bancária digital avançada

• Plataforma bancária online com 98,7% de tempo de atividade
• Aplicativo bancário móvel com 45.000 usuários ativos
• Sistema de monitoramento de transações em tempo real

Conhecimento do mercado local e relacionamentos com o cliente

Base de clientes: 87.500 contas pessoais e comerciais em dezembro de 2023.

Segmento de clientes	Número de contas
Bancos pessoais	62,300
Banking de negócios	25,200

Sistemas robustos de conformidade regulatória

Investimento de conformidade em 2023: US $ 3,2 milhões

• Conformidade completa do FDIC
• SOCUS SOB 2 TIPO II SISTEMAS
• Auditoria regulatória anual de terceiros

Oak Valley Bancorp (ovly) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas e indivíduos locais

A partir do quarto trimestre de 2023, a Oak Valley Bancorp registrou ativos totais de US $ 1,48 bilhão, com uma carteira de empréstimos especificamente adaptada às necessidades do mercado local.

Categoria de produto	Volume total	Tamanho médio do empréstimo
Empréstimos comerciais	US $ 612 milhões	$275,000
Bancos pessoais	US $ 423 milhões	$85,000
Empréstimos agrícolas	US $ 215 milhões	$185,000

Taxas de juros competitivas para empréstimos e depósitos

Oak Valley Bancorp oferece taxas competitivas em vários produtos financeiros:

• Contas de poupança pessoal: 3,25% APY
• Verificação de negócios: 2,75% de taxa de juros
• Empréstimos imobiliários comerciais: a partir de 6,50%
• Empréstimos para pequenas empresas: 7,25% de taxa média

Abordagem de atendimento ao cliente orientada por relacionamento

Taxa de retenção de clientes em 2023: 87,3%, com uma duração média do relacionamento com o cliente de 8,6 anos.

Tomada de decisão local e processamento rápido de empréstimos

Tempo médio de aprovação do empréstimo: 3,2 dias úteis, significativamente mais rápido que as médias do Banco Nacional.

Tipo de empréstimo	Tempo de aprovação	Taxa de aprovação
Empréstimos para pequenas empresas	2,7 dias	76%
Empréstimos pessoais	3,5 dias	82%
Empréstimos agrícolas	4,1 dias	68%

Apoio financeiro focado na comunidade

Investimento comunitário em 2023: US $ 12,3 milhões em iniciativas locais de desenvolvimento econômico.

• Subsídios comerciais locais: US $ 3,6 milhões
• Suporte à infraestrutura comunitária: US $ 4,7 milhões
• Programas de bolsas educacionais: US $ 1,2 milhão
• Financiamento da organização sem fins lucrativos: US $ 2,8 milhões

Oak Valley Bancorp (ovly) - Modelo de Negócios: Relacionamentos do Cliente

Interações bancárias pessoais pessoais presenciais

O Oak Valley Bancorp mantém 16 locais de filiais em toda a Califórnia a partir de 2023, permitindo interações bancárias pessoais diretas. Funcionários médios da filial por local: 6-8 funcionários.

Tipo de ramificação	Número de locais	Interações diárias da média do cliente
Filas de varejo	16	45-60 clientes por filial

Plataformas bancárias online e móveis

As plataformas bancárias digitais suportam as principais métricas de engajamento do cliente:

• Downloads de aplicativos bancários móveis: 42.500 a partir do quarto trimestre 2023
• Usuários ativos bancários on -line: 31.200
• Volume de transação digital: 1,2 milhão de transações mensais

Gerentes de relacionamento dedicados para clientes de negócios

Composição especializada da equipe de negócios de negócios:

Segmento de equipe	Número de gerentes de relacionamento	Portfólio médio de clientes
Bancos comerciais	22	38-45 clientes comerciais por gerente

Patrocínios de eventos comunitários e engajamento

Métricas de investimento comunitário para 2023:

• Patrocínio de eventos da comunidade total: 47
• Investimento de evento local: US $ 285.000
• Parcerias sem fins lucrativos: 19

Estratégias proativas de comunicação do cliente

Desempenho do canal de comunicação:

Canal de comunicação	Pontos de contato anuais	Taxa de envolvimento do cliente
Boletins por e -mail	124,000	37,5% de taxa de abertura
Mala direta	86,500	22,3% de taxa de resposta
Notificações de SMS	214,000	52,7% de engajamento

Oak Valley Bancorp (ovly) - Modelo de Negócios: Canais

Rede de filial física na Califórnia central

A partir de 2024, Oak Valley Bancorp opera 26 Locais de ramificação física concentrado principalmente no centro da Califórnia. Distribuição específica de ramo:

Condado de Tulare	7 ramos
Condado de Fresno	9 ramos
Condado de Kern	5 ramos
Condado de Kings	5 ramos

Site bancário online

A plataforma bancária on -line do Oak Valley Bancorp suporta:

• Gerenciamento de contas
• Histórico de transações
• Serviços de pagamento da conta
• Transferências de fundos

87.3% dos clientes usam ativamente os serviços bancários on -line em 2024.

Aplicativo bancário móvel

Os recursos do aplicativo móvel incluem:

• Depósito de cheque móvel
• Alertas de conta em tempo real
• Controles de cartão
• Pagamentos ponto a ponto

Downloads de aplicativos móveis: 42,500 Usuários ativos em 2024.

Atendimento ao cliente Call Center

Funcionários totais de call center	38 representantes
Tempo médio de resposta	2,7 minutos
Volume diário de chamada	Aproximadamente 475 chamadas

Rede ATM e parcerias de terceiros

Estatísticas da rede ATM:

• ATMs proprietários: 19 máquinas
• Parcerias de ATM de terceiros: 87 locais
• Volume mensal de transação ATM: 52.300 transações

Oak Valley Bancorp (ovly) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas no centro da Califórnia

A partir do quarto trimestre de 2023, o Oak Valley Bancorp atende a aproximadamente 2.750 empresas pequenas e médias no centro da Califórnia.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	890	$325,000
Provedores de serviços	675	$275,000
Fabricação	425	$450,000
Serviços profissionais	760	$285,000

Empresas agrícolas e agrícolas

Em 2023, o Oak Valley Bancorp manteve 1.235 relações de clientes agrícolas com a carteira total de empréstimos agrícolas de US $ 287,4 milhões.

• CLOTES CLOUT AGRATING: 625
• Operações de gado: 310
• Serviços de suporte ao agronegócio: 300

Buscadores de hipotecas residenciais locais

Em 31 de dezembro de 2023, a carteira de hipoteca residencial totalizou US $ 512,6 milhões, com 2.980 clientes de hipoteca ativa.

Tipo de hipoteca	Total de clientes	Valor médio do empréstimo
Hipotecas de taxa fixa	1,890	$342,000
Hipotecas de taxa ajustável	620	$285,000
Hipotecas jumbo	470	$625,000

Clientes bancários de varejo individuais

O Oak Valley Bancorp atende a 45.210 clientes de banco de varejo individuais em todo o centro da Califórnia a partir de 2023.

• Contas de corrente pessoal: 28.750
• Contas de poupança pessoal: 22.600
• Usuários bancários online: 35.480
• Usuários bancários móveis: 31.250

Provedores de serviços profissionais e empreendedores

O banco mantém 1.875 serviços profissionais e relacionamentos empresariais do cliente com os empréstimos comerciais totais de US $ 196,3 milhões em 2023.

Categoria profissional	Contagem de clientes	Empréstimo médio comercial
Profissionais do direito	425	$285,000
Médicos	380	$375,000
Empreendedores de tecnologia	290	$425,000
Empresas de consultoria	780	$265,000

Oak Valley Bancorp (ovly) - Modelo de negócios: estrutura de custos

Operação de ramificação e despesas de manutenção

Para o ano fiscal de 2023, o Oak Valley Bancorp registrou despesas totais de operação de filial de US $ 4,2 milhões. Essas despesas incluem:

Categoria de despesa	Valor ($)
Aluguel de instalações e arrendamento	1,350,000
Utilitários	620,000
Manutenção e reparos	430,000
Material de escritório	280,000
Seguro de propriedade	220,000

Salários e benefícios dos funcionários

Os custos totais de remuneração do Oak Valley Bancorp em 2023 foram de US $ 12,6 milhões, divididos da seguinte forma:

• Salários base: US $ 8,9 milhões
• Seguro de Saúde: US $ 1,7 milhão
• Benefícios de aposentadoria: US $ 1,2 milhão
• Bônus de desempenho: US $ 800.000

Infraestrutura de tecnologia e segurança cibernética

As despesas relacionadas à tecnologia para o banco totalizaram US $ 3,5 milhões em 2023:

Categoria de despesa de tecnologia	Valor ($)
Infraestrutura de TI	1,450,000
Sistemas de segurança cibernética	950,000
Licenciamento de software	650,000
Manutenção da rede	450,000

Custos regulatórios de conformidade e relatório

As despesas relacionadas à conformidade em 2023 totalizaram US $ 2,1 milhões:

• Relatórios regulatórios: US $ 850.000
• Pessoal de conformidade: US $ 750.000
• Taxas de auditoria externa: $ 500.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para Oak Valley Bancorp em 2023 foram de US $ 1,8 milhão:

Categoria de despesa de marketing	Valor ($)
Marketing digital	650,000
Mídia impressa e tradicional	450,000
Patrocínio de eventos da comunidade	350,000
Programas de aquisição de clientes	350,000

Oak Valley Bancorp (ovly) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

Para o ano fiscal de 2023, o Oak Valley Bancorp registrou receita total de juros de US $ 60,4 milhões. A quebra da carteira de empréstimos inclui:

Empréstimos imobiliários comerciais

Empréstimos hipotecários residenciais

Comercial & Empréstimos industriais

Empréstimos ao consumidor

Categoria de empréstimo	Saldo total de empréstimo	Receita de juros
US $ 412,3 milhões	US $ 24,6 milhões
US $ 287,5 milhões	US $ 17,2 milhões
US $ 195,7 milhões	US $ 12,8 milhões
US $ 86,4 milhões	US $ 5,8 milhões

Taxas de serviço e cobranças de transação

A receita da taxa de serviço para 2023 totalizou US $ 8,2 milhões, com a seguinte quebra:

• Taxas de manutenção de conta: US $ 3,5 milhões
• Taxas de transação ATM: US $ 1,7 milhão
• Taxas de cheque especial: US $ 1,9 milhão
• Taxas de transferência de fio: US $ 1,1 milhão

Serviços de investimento e gerenciamento de patrimônio

A receita de serviços de investimento para 2023 foi de US $ 5,6 milhões, incluindo:

Categoria de serviço	Receita
Taxas de gerenciamento de ativos	US $ 3,2 milhões
Serviços de Consultoria Financeira	US $ 1,7 milhão
Serviços de planejamento de aposentadoria	US $ 0,7 milhão

Taxas de originação hipotecária

As taxas de originação hipotecária para 2023 totalizaram US $ 4,3 milhões, com a seguinte composição:

• Origenas da hipoteca residencial: US $ 3,6 milhões
• Origenas de hipotecas comerciais: US $ 0,7 milhão

Receita de manutenção de conta de depósito

As receitas de manutenção da conta de depósito em 2023 totalizaram US $ 2,9 milhões, distribuídas da seguinte forma:

Tipo de conta	Receita de manutenção
Contas de verificação	US $ 1,4 milhão
Contas de poupança	US $ 0,8 milhão
Contas do mercado monetário	US $ 0,7 milhão

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.