Oak Ridge Financial Services, Inc. is a bank holding company, which engages in the provision of financial solutions. The company is headquartered in Oak Ridge, North Carolina. The company went IPO on 2004-01-29. 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 Bank’s loan portfolio includes 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. The Bank’s customers are principally located in Guilford County, North Carolina, and adjoining counties.