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Oak Valley Bancorp OVLY Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$570K+64.7%
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West BancorporationWTBA
$308K+9.2%
BCB Bancorp logo
BCB BancorpBCBP
$946K+55.6%
Midland States Bancorp logo
Midland States BancorpMSBI
$2.08M-11.1%
Westamerica Bank logo
Westamerica BankWABC
$0-100%
NSTS Bancorp, Inc. logo
NSTS Bancorp, Inc.NSTS

Other financials

Income statement

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Revenue$20.4M+6.7%
Net income$5.3M-11.2%
EPS (diluted)$0.72-4.6%

Balance sheet

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Cash & equivalents$201.6M-3.7%
Total debt$7.6M+8.6%
Total equity$206.2M+12.3%
Total assets$2.0B+4.5%

Cash flow

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Operating cash flow$8.1M-2.2%
CapEx$212.0K-82.0%
Free cash flow$7.8M+11.1%

Valuation

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Market cap$283.91M+24.9%
P/E12.2×+2.9×
P/S3.5×-0.1×

Profitability

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Net margin29.3%-3.3pp
FCF margin30%-1.1pp

Returns & leverage

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Return on equity11.9%-2.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Oak Valley Bancorp in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsuranceIncome.

The official record: Oak Valley Bancorp’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Oak Valley Bancorp's bank owned life insurance income?
Oak Valley Bancorp (OVLY) reported bank owned life insurance income of $304K in Q1 2026.
How has Oak Valley Bancorp's bank owned life insurance income changed year-over-year?
Oak Valley Bancorp's bank owned life insurance income increased by 1.6% year-over-year, from $299.25K to $304K.
What is the long-term trend for Oak Valley Bancorp's bank owned life insurance income?
Over 4 years (2021 to 2025), Oak Valley Bancorp's bank owned life insurance income has grown at a 13.6% compound annual growth rate (CAGR), from $719K to $1.2M.
What does bank owned life insurance income mean?
This represents the income or cash surrender value growth derived from life insurance policies purchased by the bank on the lives of key employees. It is a non-interest income stream used to offset the costs of employee benefit plans. While generally stable, it is considered a secondary source of revenue for the institution.