Oak Valley Bancorp OVLY

Company Overview

Oak Valley Bancorp is a U.S.-based bank holding company headquartered in Oakdale, California, operating primarily through its wholly owned subsidiary, Oak Valley Community Bank. The company operates in the regional banking industry and provides commercial banking services focused on small- to medium-sized businesses, professionals, agricultural enterprises, and individual consumers. Its primary revenue drivers are net interest income from loans and investment securities, along with fee income generated from deposit services, treasury management, and other banking activities.

The company’s core lending activities include commercial real estate loans, commercial and industrial lending, agricultural loans, construction lending, and consumer lending. Oak Valley Bancorp primarily serves communities in California’s Central Valley and Eastern Sierra regions, positioning itself as a relationship-focused community bank with localized decision-making and personalized customer service. Founded in 1991, the company expanded gradually through branch growth and regional market penetration rather than large-scale acquisitions, building a presence in underserved local banking markets across California.