Oak Valley Community Bank

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.

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

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

• Community banking services
• Commercial lending products
• Agricultural loan financing
• Personal deposit accounts
• Small business banking

Headquarters

HQ city

Oakdale

HQ country

United States

HQ region

North America

Offices16 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Net Interest Income: Interest income from loans (commercial, real estate, agricultural, consumer) minus interest paid on deposits. Core banking revenue from net interest margin.
2. Banking Service Fees: Fees from account services including overdraft fees, wire transfers, ATM usage, account research, safe deposit boxes, and other banking services.
3. Merchant Services: Income from credit card transaction processing through merchant services for business clients.
4. Investment Services Referral: Referral fees from Cetera Investment Services for investment and insurance products offered to bank customers through Oak Valley Investments.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core 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

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Three partnerships are on record, tiered minor and core.

• RSM US LLPminorOthers · 17 June 2026Oak 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 CapitalcoreStrategic or Co-development Partner · 28 April 2026$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 ServicescoreChannel Partner/ Reseller/ DistributorOak 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

Market position

Strengths4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/1111845

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&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