Oak Ridge Financial Services, Inc. is the holding company for Bank of Oak Ridge (the Bank). The Bank is a community bank with locations in Greensboro, Summerfield and Oak Ridge, North Carolina. The Bank offers a range of personal and business banking services for individuals and businesses. The Bank's personal and business banking services include convenience banking, checking and savings accounts with optional overdraft courtesy, Visa gift cards, credit cards, UChoose Rewards, cash management, business manager and remote deposit capture. The Bank offers various types of loans, such as mortgages, which include home loans, jumbo loans, refinancing, reverse mortgages and lot program; personal loans, which include home equity loans, and business loans and financing, which include business term loans, business mortgages and business lines of credit.