Oak Ridge Financial Services, Inc. is the holding company for Bank of Oak Ridge (the Bank). The Bank provides financial services through its branch network located in Guilford County, North Carolina. The Bank’s personal and business banking products include checking, savings, debit and credit cards, Oak Ridge insurance services, and others. The Company operates through a single operating segment, Community Banking, that offers services which include accepting a full range of deposit products and originating commercial and consumer loans. It has various portfolio segments, including commercial and industrial, agricultural, real estate residential, consumer, real estate multifamily, construction, owner occupied real estate, non-owner-occupied real estate, and the unguaranteed portion of SBA loans. Its customers are principally located in Guilford County, North Carolina, and adjoining counties.