Oak Valley Bancorp is a bank holding company. The Company operates through its wholly owned subsidiary, Oak Valley Community Bank (the Bank). The Bank offers a range of commercial banking services designed for both individuals and small to medium-sized businesses in the two main areas of service of the Bank: the Central Valley and the Eastern Sierras. The Bank also offers traditional residential mortgages through a third party. The Bank also offers other services for both individuals and businesses, including online banking, remote deposit capture, merchant services, night depository, extended hours, wire transfer of funds, note collection, and automated teller machines in a national network. The Bank operates in two business segments: Retail Banking and Commercial Banking.