Oak Valley Bancorp is the bank holding company for Oak Valley Community Bank, which provides commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. It accepts deposits through checking, savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. The company offers commercial real estate loans, commercial business lending and trade finance, Small Business Administration lending, and consumer loans such as automobile loans, home mortgages, credit lines, and other personal loans. It also provides internet, online, and mobile banking, automated teller machines, remote deposit capture, merchant services, night depository, extended hours, wire transfers, and note collection. Oak Valley Bancorp was incorporated in 1990 and is headquartered in Oakdale, California.