Oak Valley Bancorp is the holding company for Oak Valley Community Bank, a California community bank focused on commercial real estate (CRE) lending in the Central Valley and Eastern Sierra regions. CRE loans make up roughly 91% of the total loan portfolio, covering office buildings, industrial properties, warehouses, hotels, and shopping centers. Beyond CRE, the bank offers commercial business loans, SBA loans, consumer loans, and a full suite of deposit products. Oak Valley operates 19 branches across the Central Valley and three branches in the Eastern Sierras under the Eastern Sierra Community Bank brand. The bank earns money the traditional community bank way: taking in deposits at one rate and lending at a higher rate, with profitability driven by loan volume, deposit costs, and credit quality. Most loans carry floating rates, making income sensitive to interest rate movements. The bank funds itself primarily through customer deposits, supplemented by FHLB borrowings. With 91% of loans tied to real estate, credit quality tracks California real estate values and the Central Valley economy closely; the bank manages this concentration through conservative underwriting, with a loan-to-value ratio on the CRE portfolio of 44.9%. Oak Valley positions itself as an independent, locally managed bank, competing on personal relationships and local decision-making rather than product breadth or scale.