Oak Valley Bancorp (OVLY) — Net Asset Quality Index
Oak Valley Bancorp (OVLY) has a Net Asset Quality Index of 10.4% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $2.03 Billion minus total liabilities of $1.82 Billion yields net assets of $211.56 Million. A higher index indicates a stronger, lower-leverage balance sheet. Check OVLY asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Oak Valley Bancorp Net Asset Quality Index Over Time (2001–2025)
This chart shows how Oak Valley Bancorp's Net Asset Quality Index has evolved across 25 annual periods from 2001 to 2025. As of December 2025, the index stands at 10.4%, representing net assets of $211.56 Million against total assets of $2.03 Billion USD. See OVLY working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Oak Valley Bancorp (2001–2025)
The table below presents the year-by-year Net Asset Quality Index for Oak Valley Bancorp from 2001 to 2025, covering 25 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see Oak Valley Bancorp stock valuation.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 10.4% | $211.56 Million | $2.03 Billion | $1.82 Billion | ▲ +0.8 pp |
| 2024 | 9.7% | $183.44 Million | $1.90 Billion | $1.72 Billion | ▲ +0.6 pp |
| 2023 | 9.0% | $166.09 Million | $1.84 Billion | $1.68 Billion | ▲ +2.6 pp |
| 2022 | 6.4% | $126.63 Million | $1.97 Billion | $1.84 Billion | ▼ -0.8 pp |
| 2021 | 7.3% | $142.61 Million | $1.96 Billion | $1.82 Billion | ▼ -1.3 pp |
| 2020 | 8.6% | $129.69 Million | $1.51 Billion | $1.38 Billion | ▼ -1.2 pp |
| 2019 | 9.8% | $112.57 Million | $1.15 Billion | $1.04 Billion | ▲ +0.8 pp |
| 2018 | 9.0% | $99.08 Million | $1.09 Billion | $995.85 Million | ▲ +0.3 pp |
| 2017 | 8.8% | $90.77 Million | $1.03 Billion | $944.09 Million | ▲ +0.5 pp |
| 2016 | 8.2% | $82.45 Million | $1.00 Billion | $919.66 Million | ▼ -0.5 pp |
| 2015 | 8.7% | $78.26 Million | $897.04 Million | $818.77 Million | ▼ -1.3 pp |
| 2014 | 10.0% | $75.04 Million | $749.66 Million | $674.62 Million | ▲ +0.4 pp |
| 2013 | 9.6% | $64.52 Million | $671.85 Million | $607.34 Million | ▼ -1.0 pp |
| 2012 | 10.6% | $69.87 Million | $660.48 Million | $590.61 Million | ▼ -0.9 pp |
| 2011 | 11.5% | $70.40 Million | $612.17 Million | $541.77 Million | ▼ -0.2 pp |
| 2010 | 11.7% | $64.66 Million | $552.40 Million | $487.74 Million | ▲ +0.1 pp |
| 2009 | 11.6% | $60.69 Million | $524.72 Million | $464.03 Million | ▲ +0.2 pp |
| 2008 | 11.4% | $57.99 Million | $508.20 Million | $450.22 Million | ▲ +2.1 pp |
| 2007 | 9.3% | $42.36 Million | $454.26 Million | $411.90 Million | ▲ +1.8 pp |
| 2006 | 7.6% | $34.42 Million | $455.21 Million | $420.79 Million | ▼ -0.6 pp |
| 2005 | 8.1% | $31.04 Million | $382.12 Million | $351.08 Million | ▼ -0.9 pp |
| 2004 | 9.0% | $28.25 Million | $313.06 Million | $284.82 Million | ▲ +1.5 pp |
| 2003 | 7.5% | $18.00 Million | $240.50 Million | $222.50 Million | ▼ -1.0 pp |
| 2002 | 8.5% | $16.38 Million | $193.35 Million | $176.98 Million | ▼ -0.8 pp |
| 2001 | 9.2% | $14.57 Million | $157.96 Million | $143.40 Million | — |