Oak Valley Bancorp operates as the holding company for Oak Valley Community Bank that provides banking products and services for individuals and business enterprises. It operates through two segments, Retail Banking and Commercial Banking. The Company accepts various deposits products and offers a range of commercial loans, as well as consumer and other loans. In addition, it provides small business administration lending, trade finance, online banking, mobile banking, merchant, night depository, extended hours, wire transfer of funds, as well as automated teller machines.