Oak Valley Community Bank
Oak Valley Community Bank is a California community bank subsidiary of Oak Valley Bancorp (NASDAQ: OVLY) operating 19 branches across the Central Valley and Eastern Sierra, serving small and medium businesses, agricultural clients, and individual consumers with commercial, consumer, and investment banking products.
- Company typePrivate
- Founded1990
- HeadquartersOakdale, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Oak Valley Community Bank does
Oak Valley Community Bank is a California state-chartered community bank and wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), founded in 1990 and headquartered in Oakdale, California. It operates 19 physical branches across California's Central Valley (Oakdale, Modesto, Stockton, Turlock, Manteca, Lodi, Tracy, Ripon, Patterson, Escalon, Roseville, Sacramento) and the Eastern Sierra region (Bishop, Bridgeport, Mammoth Lakes) through its Eastern Sierra Community Bank division, with total assets of approximately $2.01 billion as of Q1 2026.
The bank offers a comprehensive suite of commercial and consumer banking products: commercial loans, commercial real estate and construction loans, agricultural loans, SBA loans, small business loans and lines of credit, business checking and treasury management, merchant and payroll services, and credit cards on the commercial side; and checking (Simply Free, Direct Interest, 50+ Interest, Platinum Interest), savings, money market, CDs, IRAs, HSAs, home loans, home equity, residential construction, consumer loans, and debit cards on the consumer side. Investment services (mutual funds, stocks, bonds, retirement planning, annuities, life insurance) are delivered through a channel partnership with Cetera Investment Services under the "Oak Valley Investments" brand. The technology stack is standard community bank infrastructure: online banking with SSL/firewall security, iOS/Android mobile apps with mobile deposit, Zelle person-to-person payments, Apple Pay tokenization, and SecurLOCK debit card management. There is no evidence of proprietary AI/ML capabilities.
The revenue model is classic commercial banking: net interest income (interest earned on commercial, real estate, agricultural, and consumer loans minus interest paid on deposits) is the primary stream, supplemented by transaction-based fees (overdraft $29, NSF $10, wire transfers $15-40, cashier's checks $8), merchant services processing fees, and referral fees from the Cetera investment services partnership. The go-to-market is sales-led and relationship-driven, with local decision-making authority and specialized agricultural lending serving as the principal differentiators versus centralized national banks. Customer segments are small and medium businesses, individual consumers, and agricultural clients in California's Central Valley, with a secondary focus on underserved and rural entrepreneurs accessed through CDFI partnerships. Non-performing assets stood at 0.23% as of Q1 2026, and the bank has paid 11 consecutive years of dividend increases at the parent level.
Oak Valley Community Bank firmographics
Firmographics- Name
- Oak Valley Community Bank
- Legal name
- Oak Valley Community Bank
- Website
- https://ovcb.com
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Oak Valley Community Bank is a California community bank subsidiary of Oak Valley Bancorp (NASDAQ: OVLY) operating 19 branches across the Central Valley and Eastern Sierra, serving small and medium businesses, agricultural clients, and individual consumers with commercial, consumer, and investment banking products.
- Ownership category
- akta.pro rank
Oak Valley Community Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)
- akta.pro secondary industries
- Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
Keywords
Where Oak Valley Community Bank is headquartered
LocationHeadquarters
- HQ city
- Oakdale
- HQ country
- United States
- HQ region
- North America
Offices16 records
Markets served
Oak Valley Community Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Net Interest Income: Interest income from loans (commercial, real estate, agricultural, consumer) minus interest paid on deposits. Core banking revenue from net interest margin.
- Banking Service Fees: Fees from account services including overdraft fees, wire transfers, ATM usage, account research, safe deposit boxes, and other banking services.
- Merchant Services: Income from credit card transaction processing through merchant services for business clients.
- Investment Services Referral: Referral fees from Cetera Investment Services for investment and insurance products offered to bank customers through Oak Valley Investments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Savings Account - $100 minimum opening, 0.05-0.10% APY |
| Subscription | Monthly | Money Market Account - Tiered interest rates |
| Subscription | Monthly | Checking Accounts - Various tiers available |
| One time/ perpetual license | Pay-as-you-go | Certificates of Deposit - $2,500 minimum |
| Subscription | Monthly | Health Savings Accounts - $100 minimum opening |
| Transaction based/ take rate | Pay-as-you-go | Transaction and Service Fees |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels4 records
Oak Valley Community Bank product offering
Product offeringCore offering
Oak Valley Community Bank is a regional community bank offering a comprehensive suite of deposit products (checking, savings, money market, CDs, IRAs, HSAs), lending products (commercial loans, agricultural loans, SBA loans, home loans, consumer loans, credit cards), treasury and merchant services for businesses, and investment services through Cetera. It serves individuals, small-to-medium businesses, and agricultural clients across California's Central Valley and Eastern Sierra regions through 19 branch locations.
Product overview
Oak Valley Community Bank is a regional community bank operating as a subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), with two brands: Oak Valley Community Bank serving California's Central Valley and Eastern Sierra Community Bank serving the Eastern Sierra region. The bank offers a unified platform of banking products organized into three main categories: (1) Commercial Banking Services including business loans, commercial real estate loans, commercial construction loans, agricultural loans, small business loans, SBA loans, credit cards, treasury management, merchant services, and payroll services; (2) Personal Banking Services encompassing checking accounts (Simply Free, Direct Interest, 50+ Interest, Platinum Interest), savings accounts, money market accounts, certificates of deposit (CDs), IRAs, Health Savings Accounts (HSAs), home loans, home equity loans/lines of credit, construction loans, consumer loans, and debit cards; and (3) Investment Services through Cetera including mutual funds, stocks, bonds, college savings plans, retirement planning, annuities, and life insurance. The bank also provides digital banking capabilities including online banking, mobile banking apps, Apple Pay integration, Zelle, bill pay, eStatements, and a Cybersecurity Center with fraud protection resources.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Banking Services Full suite of business banking services including business loans, commercial real estate loans, commercial construction loans, agricultural loans, small business loans, SBA loans, business credit cards, treasury management, merchant services, and payroll services. Targeted at small-to-medium businesses and commercial clients.
- Personal Banking Services Retail banking products for individual consumers including checking accounts (Simply Free, Direct Interest, 50+ Interest, Platinum Interest), savings accounts, money market accounts, certificates of deposit, IRAs, Health Savings Accounts, home loans, home equity loans and lines of credit, construction loans, consumer loans, and personal credit cards.
- Investment Services (Oak Valley Investments)
- Online and Mobile Banking Services Digital banking platform providing account management, bill payment, mobile check deposit, alerts, eStatements, and contactless payment integrations (Apple Pay, Zelle) for both personal and business customers.
- Credit Cards Personal and business credit card products featuring Oak Valley and Eastern Sierra branding, with Mastercard acceptance and SecurLOCK fraud protection features.
- Health Savings Accounts (HSAs) Tax-advantaged accounts for healthcare expenses linked to high-deductible health plans, available as checking, savings, or liquidity variants with FDIC insurance and tax-free interest earnings on qualified medical expenses.
- Eastern Sierra Community Bank
Quantifiable outcome
- Grew from $45 million to over $2 billion in assets under current leadership
- +2 more outcomes
Companies that use Oak Valley Community Bank
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Oak Valley Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
Oak Valley Community Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- RSM US LLPminorOak Valley Bancorp ratified RSM US LLP as the company's registered independent public accounting firm for fiscal year ending December 31, 2026, receiving 5,784,186 votes in favor at annual shareholder meeting.
- Access Plus Capitalcore$1 million Equity Equivalent (EQ2) investment to expand access to capital for small businesses across the North Valley, marking a major milestone in regional economic development. Partnership includes APC's Modesto office grand opening.
- Cetera Investment ServicescoreOak Valley Investments, a marketing name of Cetera Investment Services, provides investment products including mutual funds, stocks, bonds, college savings plans, retirement planning, annuities, and life insurance through Oak Valley Community Bank locations.
Scale indicators11 records
Recent moves7 records
Expansion highlights5 records
Oak Valley Community Bank competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Oak Valley Community Bank social profiles
Digital presenceOak Valley Community Bank compliance and trust
Trust signalCompliance2 records
Oak Valley Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oak Valley Community Bank leadership team
Management profileNumber of profiles
Profiles9 records
Oak Valley Community Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Oak Valley Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oak Valley Community Bank M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oak Valley Community Bank
What does Oak Valley Community Bank do?
Oak Valley Community Bank is a regional community bank offering a comprehensive suite of deposit products (checking, savings, money market, CDs, IRAs, HSAs), lending products (commercial loans, agricultural loans, SBA loans, home loans, consumer loans, credit cards), treasury and merchant services for businesses, and investment services through Cetera. It serves individuals, small-to-medium businesses, and agricultural clients across California's Central Valley and Eastern Sierra regions through 19 branch locations.
Is Oak Valley Community Bank a public or private company?
Oak Valley Community Bank is a private company. It is classified as corporate owned and is currently operating.
When was Oak Valley Community Bank founded?
Oak Valley Community Bank was founded in 1990. It employs 251 to 500 people.
Where is Oak Valley Community Bank based?
Oak Valley Community Bank is headquartered in Oakdale, United States, in the North America region.
How does Oak Valley Community Bank make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are banking Service Fees, merchant Services and investment Services Referral.
Does Oak Valley Community Bank have an API?
No public API is recorded for Oak Valley Community Bank.
What industry is Oak Valley Community Bank in?
Oak Valley Community Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail), with a secondary code of FSABAEAG, Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks). Its NAICS code is 52211 and its SIC code is 6021.