Oak Valley Bancorp is the parent company of Oak Valley Community Bank, a California state-chartered bank that provides a comprehensive range of commercial and consumer banking services to individuals and small to medium-sized businesses across the Central Valley and Eastern Sierras regions. The bank's lending portfolio emphasizes commercial real estate, construction, and business loans, while it funds its operations primarily through customer deposits and supplemental Federal Home Loan Bank advances, generating revenue from net interest income on loans and investments as well as service fees. With nearly 20 branch locations and approximately 245 employees, the bank competes as an independent institution emphasizing personalized, locally-managed service in a market dominated by larger regional and national banks.