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. It offers a range of personal and business banking services for individuals and businesses. Its personal and business banking services include convenience banking, interactive teller machines, checking accounts, savings accounts, credit cards, Visa gift cards and UChoose Rewards. It also includes online services, such as online banking and bill pay, mobile banking and e-statements. The Bank's insurance services include Oak Ridge Insurance Services and Health Savings Accounts. It offers mobile banking; remote deposits for consumers and businesses, and a range of checking accounts, savings accounts, mortgage services, insurance services, lending options, and wealth management services. The Bank offers various types of loans, such as mortgages, personal loans, and business loans and financing.