Oak Valley Bancorp Asset Resilience Ratio
Oak Valley Bancorp asset resilience ratio. Oak Valley Bancorp (OVLY) has an Asset Resilience Ratio of 26.82% as of December 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. See defensive interval ratio of Oak Valley Bancorp to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Oak Valley Bancorp (2006–2025)
Asset resilience ratio of Oak Valley Bancorp from 2006 to 2025. This chart shows how Oak Valley Bancorp's Asset Resilience Ratio has changed over time. Read total liabilities of Oak Valley Bancorp for a breakdown of total debt and financial obligations.
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. For the complete balance sheet picture, see balance sheet size of Oak Valley Bancorp.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $543.53 Million | 26.82% |
| Total Liquid Assets | $543.53 Million | 26.82% |
Asset Resilience Insights
- Very High Liquidity: Oak Valley Bancorp maintains exceptional liquid asset reserves at 26.82% 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 |
|---|---|---|
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
BNK Banking Corporation Ltd
AU:BBC |
Banks - Regional | 8.96% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
|
BBVA Banco Frances SA
BA:BBAR |
Banks - Regional | 7.45% |
|
Banco Patagonia
BA:BPAT |
Banks - Regional | 0.44% |
Oak Valley Bancorp Asset Resilience Ratio by Year (2006–2025)
Oak Valley Bancorp asset resilience ratio by year from 2006 to 2025. The table below shows the annual Asset Resilience Ratio data for Oak Valley Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 26.82% | $543.53 Million | $2.03 Billion | +22.87pp |
| 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 | -- |
About 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 accepts deposits through checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. … Read more