Oak Ridge Financial Services, Inc. is a bank holding company for Bank of Oak Ridge (the Bank). The Bank operates for the primary purpose of serving the banking needs of individuals, and small to medium-sized businesses in its market area. The Bank offers a range of banking services, including checking and savings accounts, commercial, consumer and personal loans, mortgage services and other associated financial services. The Bank provides a range of short to medium-term commercial, mortgage, construction and personal loans, both secured and unsecured. It also makes real estate mortgage and construction loans and small business administration guaranteed loans. The Bank provides a range of deposit services, including non-interest bearing checking accounts, interest bearing checking and savings accounts, money market accounts and certificates of deposit.