BlastPoint's Banking Scorecard
Bank of Oak Ridge
Oak Ridge, LA
3 branches across LA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
- Deposits +24.0% year over year ($121.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.07%.
- Efficiency ratio 71.73% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.02% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Oak Ridge has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35.7% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency Ratio 7.25% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$138.6M
+21.7% YoY
+2.4% QoQ
|
-$248.0M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.8% in tier |
| Total Loans ? |
$112.1M
+19.7% YoY
+7.8% QoQ
|
-$146.3M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$121.8M
+24.0% YoY
+2.3% QoQ
|
-$205.0M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.5% in tier |
| Return on Assets ? |
1.07%
+327.2% YoY
+3.4% QoQ
|
-0.25% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
4.25%
+7.9% YoY
+4.5% QoQ
|
+0.27% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
71.73%
-20.5% YoY
-2.8% QoQ
|
+7.25% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
92.02%
-3.5% YoY
+5.3% QoQ
|
+14.07% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
15.45%
+13.7% YoY
-1.1% QoQ
|
-6.58% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.89%
-18.7% YoY
-5.9% QoQ
|
-2.02% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.11%
-11.4% YoY
+405.0% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
21% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.4%
+1.9pp YoY -0.2pp QoQ |
-6.7pp | 22.1% | 24.6% | 22.2% | 26% |
| Brokered Deposits |
0.7%
-0.1pp YoY -0.1pp QoQ |
-7.1pp | 7.9% | 6.7% | 8.5% | 15% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.2%
-2.1pp YoY -0.9pp QoQ |
+8.6pp | 11.6% | 12.6% | 12.5% | 89% |
| CRE |
55.4%
+8.4pp YoY +1.6pp QoQ |
+15.8pp | 39.5% | 44.9% | 41.4% | 78% |
| 1-4 Family |
20.9%
-4.8pp YoY -0.6pp QoQ |
-11.7pp | 32.6% | 34.2% | 31.3% | 32% |
| Consumer |
2.6%
-0.4pp YoY -0.3pp QoQ |
-1.5pp | 4.1% | 4.2% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.9%
-3.2pp YoY -0.9pp QoQ |
-4.9pp | 18.8% | 22.5% | 19.7% | 38% |
| Leverage Ratio |
11.6%
-1.5pp YoY +0.1pp QoQ |
-0.6pp | 12.2% | 13.4% | 12.6% | 59% |
| Total Capital Ratio |
14.9%
-3.2pp YoY -0.9pp QoQ |
-5.1pp | 19.9% | 23.6% | 20.8% | 37% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
+3 (+14.3%) YoY +2 (+9.1%) QoQ |
-35 | 58 | 114 | 482 | 17% |
| Assets per Employee ($) |
$5.8M
+6.5% YoY -6.1% QoQ |
-$1.7M | $7.5M | $6.8M | $8.8M | 29% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.4% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 27.36x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | 0.1% | -0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.3%
+7.3pp YoY +0.3pp QoQ |
-2.9pp | 12.2% | 12.5% | 11.6% | 32% |
| Cost of Funds (YTD) |
2.2%
-0.3pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.7% | 1.7% | 81% |
| Net Income ($, YTD) |
$730,000
+410.5% YoY — QoQ |
-$1.8M | $2.6M | $5.1M | $40.4M | 17% |
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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.