Yadkin Valley Financial Corporation operates as the holding company for Yadkin Valley Bank and Trust Company that provides consumer and commercial banking services in North Carolina and South Carolina. The company accepts demand deposits, checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Its portfolio of loans includes commercial, agricultural, small business administration guaranteed, mortgage, home equity, personal, and real estate mortgage, as well as construction and land development loans. In addition, the company provides investment and mortgage brokerage services, as well as serves as a trustee on real estate loans. It operates 34 full-service banking offices. Yadkin Valley Financial Corporation was founded in 1968 and is headquartered in Elkin, North Carolina.