Oak Ridge Financial Services, Inc. (OTCMKTS:BKOR) is a Tennessee-based financial holding company that provides a full range of banking and wealth management services through its subsidiary, Oak Ridge Bank & Trust. The company delivers retail and commercial banking solutions, including deposit accounts, consumer and commercial lending, and treasury management services. Serving individuals, small businesses and nonprofit organizations, Oak Ridge Financial Services emphasizes personalized relationship banking across its branch network in Tennessee and neighboring states.
Through Oak Ridge Bank & Trust, the company offers traditional deposit products such as checking and savings accounts, money market accounts, and certificates of deposit. On the lending side, Oak Ridge Financial Services extends residential mortgage financing, home equity lines of credit, and commercial real estate loans, as well as term loans and lines of credit for business clients. The bank’s treasury management suite includes cash management, merchant services, wire transfers and online banking tools designed to streamline operations for commercial customers.
In addition to core banking activities, Oak Ridge Financial Services has developed a wealth management division that provides trust administration, investment advisory services and estate planning. The firm’s trust department works with high-net-worth individuals and families to structure and manage estates, offering fiduciary oversight and tailored investment strategies. This complementary offering allows the company to serve client needs from day-to-day banking through long-term financial planning.
Founded in the late 1980s and headquartered in Oak Ridge, Tennessee, the company has grown organically and through selective branch expansions. Leadership includes Chief Executive Officer Robert J. Johnson, who has overseen strategic growth initiatives since 2015, and Chief Financial Officer Mary L. Andrews, responsible for financial planning and regulatory compliance. Guided by a board of directors with extensive banking and community expertise, Oak Ridge Financial Services continues to focus on customer-driven service and disciplined credit management within its regional market.
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