Oak Valley Bancorp - Asset Resilience Ratio

Latest as of December 2025: 26.82%

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.

Liquid Assets

$543.53 Million

Cash + Short-term Investments

Total Assets

$2.03 Billion

All company assets

Resilience Assessment

Very High

Financial Resilience Level

Asset Resilience Ratio Trend (2006–2025)

This chart shows how Oak Valley Bancorp's Asset Resilience Ratio has changed over time. Check OVLY PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.

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 market capitalisation and broader financial context, see Oak Valley Bancorp market capitalisation.

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
Deutsche Bank Aktiengesellschaft F:DBK	Banks - Regional	3.17%
Regions Financial Corporation NYSE:RF	Banks - Regional	17.06%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
Banco Santander Chile SN:BSANTANDER	Banks - Regional	6.33%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Synovus Financial Corp NYSE:SNV	Banks - Regional	4.05%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Regional S.A.B. de C.V MX:RA	Banks - Regional	0.00%

Annual Asset Resilience Ratio for Oak Valley Bancorp (2006–2025)

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	--

pp = percentage points

About Oak Valley Bancorp

NASDAQ:OVLY USA Banks - Regional

Market Cap

$284.96 Million

Market Cap Rank

#14958 Global

#3524 in USA

Share Price

$33.87

Change (1 day)

+1.38%

52-Week Range

$25.41 - $35.07

All Time High

$35.07