Oak Valley Bancorp — Director's Dealing 2026

Mar 3, 2026

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: Oak Valley Bancorp (OVLY)
CIK: 0001431567
Period of Report: 2025-12-31

Reporting Person: Ghan Cathy (EVP Commercial Real Estate)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-12-31	Common Stock	I	1306	—	Acquired	41175	Direct
2026-02-27	Common Stock	F	105	—	Disposed	41070	Direct
2026-02-27	Common Stock	F	87	—	Disposed	40983	Direct
2026-02-27	Common Stock	F	401	—	Disposed	40582	Direct
2026-02-27	Common Stock	F	101	—	Disposed	40481	Direct
2026-02-27	Common Stock	F	89	—	Disposed	40392	Direct
2026-02-27	Common Stock	A	784	—	Acquired	41176	Direct

Footnotes

F1: Shares acquired through company 401k plan. Purchase transactions occur under 10b5-1 purchase plan with various dates and pricing.

F2: Adjustment to holdings for shares acquired through 401k profit sharing plan in 2025.

F3: Shares surrendered to satisfy tax liability on restricted stock issued 2/28/2022 vested 2/27/2026

F4: Shares surrendered to satisfy tax liability on restricted stock issued 2/28/2023 vested 2/27/2026

F5: Shares surrendered to satisfy tax liability on restricted stock issued 2/28/2024 vested 2/27/2026

F6: Shares surrendered to satisfy tax liability on restricted stock issued 2/28/2025 vested 2/27/2026

F7: Award of restricted stock to executive employee pursuant to Stock Incentive Plan.

F8: Each restricted stock share that is unvested is subject to certain restrictions on disposition as well as certain forfeiture rights, which will lapse upon vesting.

F9: The restricted stock will vest 20% annually on the following dates:

2/28/2027
2/28/2028
2/28/2029
2/28/2030
2/28/2031