Oak Valley Bancorp was formed in 2008 to be the holding company for Oak Valley Community Bank, which serves individuals and local businesses through about 10 branches in California's Central Valley. Eastern Sierra Community Bank, a division of Oak Valley, has three locations. The banks provide standard deposit products such as savings, checking, and retirement accounts and CDs. Their lending activities consist of commercial real estate loans (more than half of their combined loan portfolio) and business, real estate construction, agricultural, residential mortgage, and consumer loans. Investment products and services are offered through an agreement with PrimeVest Financial Services.