Oak Valley Bancorp
Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposi… Read more
Oak Valley Bancorp - Asset Resilience Ratio
Oak Valley Bancorp (OVLY) has an Asset Resilience Ratio of 26.59% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2006–2024)
This chart shows how Oak Valley Bancorp's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Oak Valley Bancorp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $530.66 Million | 26.59% |
| Total Liquid Assets | $530.66 Million | 26.59% |
Asset Resilience Insights
- Very High Liquidity: Oak Valley Bancorp maintains exceptional liquid asset reserves at 26.59% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
Oak Valley Bancorp Industry Peers by Asset Resilience Ratio
Compare Oak Valley Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Oak Valley Bancorp (2006–2024)
The table below shows the annual Asset Resilience Ratio data for Oak Valley Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 3.95% | $75.07 Million | $1.90 Billion | -24.17pp |
| 2023-12-31 | 28.12% | $518.08 Million | $1.84 Billion | +1.32pp |
| 2022-12-31 | 26.80% | $527.44 Million | $1.97 Billion | +13.41pp |
| 2021-12-31 | 13.38% | $262.89 Million | $1.96 Billion | -0.99pp |
| 2020-12-31 | 14.37% | $217.16 Million | $1.51 Billion | -2.19pp |
| 2019-12-31 | 16.56% | $190.09 Million | $1.15 Billion | -2.32pp |
| 2018-12-31 | 18.88% | $206.71 Million | $1.09 Billion | +1.56pp |
| 2017-12-31 | 17.32% | $179.25 Million | $1.03 Billion | +1.32pp |
| 2016-12-31 | 16.00% | $160.33 Million | $1.00 Billion | +1.34pp |
| 2015-12-31 | 14.66% | $131.55 Million | $897.04 Million | -1.51pp |
| 2014-12-31 | 16.18% | $121.28 Million | $749.66 Million | -1.35pp |
| 2013-12-31 | 17.53% | $117.75 Million | $671.85 Million | +1.80pp |
| 2012-12-31 | 15.73% | $103.87 Million | $660.48 Million | +1.07pp |
| 2011-12-31 | 14.65% | $89.69 Million | $612.17 Million | +8.46pp |
| 2008-12-31 | 6.20% | $31.49 Million | $508.20 Million | +5.36pp |
| 2007-12-31 | 0.84% | $3.81 Million | $454.26 Million | +0.26pp |
| 2006-12-31 | 0.58% | $2.64 Million | $455.21 Million | -- |