BlastPoint's Banking Scorecard
Bank of Oak Ridge
Oak Ridge, LA
3 branches across LA
Bank of Oak Ridge has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 38.5% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.23% below tier average
- - Efficiency Ratio 8.52% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.3M
+14.7% YoY
+0.5% QoQ
|
-$250.8M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.8% in tier |
| Total Loans ? |
$104.0M
+15.3% YoY
-4.0% QoQ
|
-$151.7M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$119.0M
+15.8% YoY
+4.2% QoQ
|
-$209.0M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.5% in tier |
| Return on Assets ? |
1.04%
+54.8% QoQ
|
-0.23% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
4.07%
+5.4% YoY
-2.6% QoQ
|
+0.14% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
73.80%
-23.9% YoY
-6.1% QoQ
|
+8.52% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
87.37%
-0.4% YoY
-7.8% QoQ
|
+10.74% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
15.63%
+10.6% YoY
+0.8% QoQ
|
-6.39% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.77%
-12.1% YoY
+4.8% QoQ
|
-1.06% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.02%
+5.3% YoY
-84.1% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.8% in tier |
Get Full Access to Bank of Oak Ridge
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.