Risk factors
Oak Valley Bancorp (OVLY) risk factors
Item 1A of every Oak Valley Bancorp 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors47 risks2 reworded
Oak Valley Bancorp shows minimal changes in its risk disclosures, indicating stability in its core banking operations and macro environment.
Filed Mar 25, 2026 - FY2024 10-K risk factors47 risks
Concentration in California's Central Valley and Eastern Sierras exposes the bank to local economic and real estate risks. Heavy reliance on third-party vendors and technology creates significant operational and cybersecurity vulnerabilities. Extensive federal and state banking regulations continually impact compliance costs and capital requirements.
Filed Mar 31, 2025