Oak Valley Bancorp operates as the holding company for Oak Valley Community Bank that provides banking products and services for individuals and business enterprises in Oakdale, California and the surrounding areas. It operates through two segments: Retail Banking and Commercial Banking. The company accepts various deposits products, such as checking and savings, negotiable order of withdrawal, money market, health savings, and individual retirement accounts, as well as overdraft protection and certificates of deposits. It also offers a range of commercial loans, including short-term working capital, operating lines of credit, equipment purchases, leasehold improvements, construction, and commercial real estate acquisitions or refinancing, as well as consumer loans consisting of personal loans, auto loans, home improvement loans, home mortgage loans, revolving lines of credit, and other loans. In addition, the company provides online banking, remote deposit capture, mobile banking, merchant, night depository, extended hours, wire transfer of funds, and note collection services, as well as automated teller machines. As of January 29, 2016, it operated through 16 branches in Oakdale, Turlock, Stockton, Patterson, Ripon, Escalon, Manteca, and Tracy; 2 branches in Sonora; 3 branches in Modesto; and 3 branches in Bridgeport, Mammoth Lakes and Bishop. The company was founded in 1990 and is headquartered in Oakdale, California.