Oak Valley Bancorp (CA).
OVLY.US | Other monetary intermediation
Oak Valley Bancorp is the bank holding company for Oak Valley Community Bank, which provides a range of banking services to individuals and businesses. These services include deposit accounts, loans (commercial, agricultural, real estate, and consumer), and other financial products. The bank primari...Show More
Better Health for All
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The company's principal goods and services are banking products like loans and deposit accounts, which are generally health-neutral. While 12% of its loan volume is directed to healthcare services and it offers Health Savings Accounts (HSAs), these do not constitute a majority of its product portfolio to warrant a positive score for overall health impact.
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The company does not generate revenue from products or activities with well-established negative health outcomes, nor do its products have direct safety implications or addiction potential. The company does not offer health-related products or services that require price accessibility, vulnerable reach, risk transparency, health innovation investment, or preventative health measures. Its operations do not involve healthcare workforce development, healthcare data management, global health crisis response, mental health initiatives, pharmaceutical patents, nutrition, food safety, health education, or clinical trials. Although the company received approval for $5.3 million in Affordable Housing Program (AHP) grants, which support affordable housing for vulnerable populations and are described as improving health outcomes, these grants are not considered a core business activity or a program funded by a percentage of the company's revenue for the purpose of scoring health equity programs.
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Fair Money & Economic Opportunity
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Oak Valley Community Bank's inclusion lending, comprising community development loans, reached 19.76% of its total loan portfolio as of September 30, 2022.
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The bank received an "Outstanding" CRA rating from the Federal Reserve in January 2023 and again in 2024, with no violations of anti-discrimination or fair lending laws found.
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Community development loans are estimated to have created or retained over 8,000 jobs for low- and moderate-income individuals.
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The bank made $55.7 million in community development investments and donations during the evaluation period ending September 30, 2022, and invested $21.3 million inside its assessment areas, representing 20% of its Tier 1 Capital.
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The bank offers a web-based financial education program, "OVCB University of Finance," which reached nearly 900 high school students in the 2015-2016 academic year, showing a 41% average increase in students' understanding of financial topics.
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The bank recommends keeping debt-to-income ratios below 40%, with its average customer debt-to-income ratio between 35-40%.
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Approximately 35% of service points are in underserved areas, and the bank plans to expand its footprint with a new branch in Lodi in 2025.
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The bank has streamlined its deposit products and uses simulations and gaming to explain complex financial concepts, but products still require middle school level reading.
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Fair Pay & Worker Respect
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The company's CEO to median employee pay ratio for 2024 was approximately 71:1.
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Employee satisfaction is estimated at 83%,
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and the company was named one of the Best Places to Work in the Central Valley for 2024 and 2025.
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The company reports low employee turnover.
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The value of health care benefits was estimated at $13,568 per employee, including coverage for dependents.
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However, none of the employees are currently represented by a union or covered by a collective bargaining agreement.
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Fair Trade & Ethical Sourcing
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No specific, concrete data points related to fair trade and ethical sourcing for OVLY.US were found in the provided articles. The articles explicitly state the absence of data for all relevant KPIs, including fair trade certification share, audit frequency, forced/child labor incidents, traceability coverage, remediation speed, ethical clause coverage, materials risk index, and supplier diversity spend.
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refers to Fifth Third Bancorp, not OVLY.US,
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and is a Code of Ethics for OVLY.US employees, not its supply chain practices.
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Honest & Fair Business
-10
The company has a whistleblower policy that includes provisions for anonymous reporting, investigation, and protection against retaliation, with multiple reporting channels available.
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Employees are advised annually of their right to submit confidential and anonymous complaints.
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A code of ethics is in place that prohibits bribery, conflicts of interest, misuse of company property, and insider trading, and includes specifics on gift-giving limits and outside activities.
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The company also emphasizes compliance with legal, regulatory, and Bank Secrecy Act/Anti-Money Laundering (BSA/AML) requirements.
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The Audit Committee charter outlines criteria for board members to be considered independent, including no consulting or advisory fees from the company except in their board capacity, and no affiliation with the company or subsidiaries.
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The Audit Committee is responsible for the appointment, compensation, oversight, and review of the independent auditors' independence and quality control procedures, and reviews off-balance sheet transactions.
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Kind to Animals
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No relevant information was found in the provided article to assess OVLY.US against the 'Kind to Animals' ethical value.
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No War, No Weapons
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No evidence available to assess Oak Valley Bancorp (CA) on No War, No Weapons.
Planet-Friendly Business
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No specific, quantitative data is publicly available for any of the environmental performance KPIs, including total Scope 1, 2, and 3 greenhouse-gas emissions, SBTi-aligned targets, share of operational energy from renewables, water use per revenue, green building certifications, waste diversion rate, EU Taxonomy-aligned capital expenditure, lifecycle impact analysis, recycled to virgin material ratio, carbon offset quality, climate-positive initiatives, supply chain climate transparency, suppliers with SBTi targets, biodiversity efforts, deforestation policy implementation, annual environmental compliance violations, environmental impact assessments, net-zero target year, TCFD alignment, climate scenario analysis, stranded assets transparency, water from stressed basins, packaging CO2 reduction, climate justice initiatives, just transition programs, or climate adaptation financing.
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Respect for Cultures & Communities
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No evidence available to assess Oak Valley Bancorp (CA) on Respect for Cultures & Communities.
Safe & Smart Tech
-10
The company reports no known material cybersecurity incidents affecting its operations.
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It conducts mandatory interactive cyber awareness training for employees.
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The company aligns with NIST cybersecurity standards and FFIEC examination guidelines, and holds a 256-bit secure server certification from Network Solutions for its online banking system.
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An incident response plan is in place to address unauthorized data use.
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The company states a 99.2% compliance rate with federal banking regulations.
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For authentication, 45% of digital platforms implement biometric authentication, and the online banking system uses a password-controlled entry with a '3 strikes and you're out' lockout mechanism.
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External and internal vulnerability scanning is conducted regularly, and external third parties perform penetration testing and adversarial simulations.
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The company's online banking system uses 256-bit Secure Sockets Layer (SSL) protocol for data encryption.
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The company provides basic user controls for online banking, such as password changes and account lockouts.
Zero Waste & Sustainable Products
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No evidence available to assess Oak Valley Bancorp (CA) on Zero Waste & Sustainable Products.