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Bank of Oak Ridge

$100M-$1B Specialty: Commercial NC FDIC cert 35365

Designations: ✓ CDFI-certified

Oak Ridge, NC

5 branches across NC

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 17 in NC.
  • Deposits -7.6% year over year ($509.6M on the books).
  • Delinquency rate 1.82%.
  • Return on assets 1.23%.
  • Efficiency ratio 62.14% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 17 in NC
View $100M-$1B leaderboard (NC) →

Bank of Oak Ridge has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.47% above tier average
  • + Efficiency Ratio 2.34% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 18.5% in tier
  • - Capital Constraint: Bottom 50.5% in tier
  • - ROA 0.09% below tier average
  • - Delinquency Rate 0.90% above tier average
Get updates when Bank of Oak Ridge releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $658.1M
-2.5% YoY +0.4% QoQ
+$271.5M $386.6M
+1.2% YoY
$92.1B
+0.4% YoY
$6.3B
+7.7% YoY
Top 15.0% in tier
Total Loans ? $515.4M
-2.7% YoY +1.7% QoQ
+$257.0M $258.3M
+1.7% YoY
$45.3B
+5.8% YoY
$3.2B
+9.4% YoY
Top 10.1% in tier
Total Deposits ? $509.6M
-7.6% YoY -6.6% QoQ
+$182.9M $326.7M
+0.7% YoY
$72.9B
+1.1% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 1.23%
-2.8% YoY +21.8% QoQ
-0.09% 1.32%
+10.8% YoY
1.06%
+26.4% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 4.46%
+3.5% YoY +7.4% QoQ
+0.47% 3.99%
+5.0% YoY
3.48%
+5.1% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 62.14%
+2.4% YoY -4.0% QoQ
-2.34% 64.48%
-3.2% YoY
69.25%
-8.2% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 1.82%
+95.9% YoY -1.7% QoQ
+0.90% 0.92%
+15.7% YoY
0.62%
+17.0% YoY
0.98%
+16.3% YoY
Bottom 14.4% in tier
Loan-to-Deposit Ratio ? 101.13%
+5.2% YoY +8.8% QoQ
+23.18% 77.95%
+1.0% YoY
80.66%
+1.6% YoY
79.03%
+2.3% YoY
Bottom 8.8% in tier
Non-Interest-Bearing Deposit Share ? 26.52%
+10.8% YoY +5.9% QoQ
+4.49% 22.03%
-0.6% YoY
18.90%
+1.9% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 1.42%
+95.4% YoY -0.5% QoQ
+0.75% 0.67%
+16.4% YoY
0.44%
+14.6% YoY
0.69%
+15.8% YoY
Bottom 12.9% in tier
Tier 1 Capital Ratio ? 12.53%
+11.8% YoY +2.4% QoQ
-3.38% 15.91%
+1.4% YoY
20.01%
+3.4% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.24%
-16.2% YoY +103.9% QoQ
-0.32% 0.57%
+7.6% YoY
0.43%
+2.6% YoY
0.66%
+5.2% YoY
62%

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 (NC) National Avg Tier Percentile
Noninterest-Bearing 26.5%
+2.6pp YoY
+1.5pp QoQ
 +4.4pp 22.1% 21.8% 22.2% 72%
Brokered Deposits 3.5%
-3.3pp YoY
-2.6pp QoQ
 -4.4pp 7.9% 7.7% 8.5% 41%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
C&I 14.2%
-0.6pp YoY
0.0pp QoQ
 +2.7pp 11.6% 10.5% 12.5% 73%
CRE 68.4%
-0.7pp YoY
0.0pp QoQ
 +28.9pp 39.5% 46.3% 41.4% 92%
1-4 Family 17.7%
+1.4pp YoY
-0.1pp QoQ
 -15.0pp 32.6% 44.2% 31.3% 25%
Consumer 0.6%
-0.1pp YoY
0.0pp QoQ
 -3.5pp 4.1% 1.6% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.8% 19.7% n/a
Leverage Ratio 12.5%
+1.3pp YoY
+0.3pp QoQ
 +0.4pp 12.2% 14.4% 12.6% 70%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Full-Time Employees 76
0 YoY
-2 (-2.6%) QoQ
 +17 58 5,103 482 75%
Assets per Employee ($) $8.7M
-2.5% YoY
+3.1% QoQ
 +$1.1M $7.5M $9.4M $8.8M 76%
Branch Count 5
0 YoY
0 QoQ
 0 4 170 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 1.8%
+0.9pp YoY
0.0pp QoQ
 +0.9pp 0.9% 0.7% 1.0% 85%
Allowance Coverage 0.71x
-40.8% YoY
+4.1% QoQ
 -23.44x 24.15x 3.36x 20.23x 18%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 78%

Profitability

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
ROE 10.0%
-1.6pp YoY
+1.7pp QoQ
 -2.2pp 12.2% 8.7% 11.6% 37%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 49%
Net Income ($, YTD) $4.0M
-4.7% YoY
— QoQ
 +$1.5M $2.6M $518.0M $40.4M 81%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#129 of 691 • Bottom 18.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 101.13%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#55 of 107 • Bottom 50.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 101.13%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 12.53%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

269
Total Loans
size
Value: $515.38M
Peer Median: $258.35M
#269 of 2643 Top 10.1% in $100M-$1B
397
Total Assets
size
Value: $658.11M
Peer Median: $386.57M
#397 of 2643 Top 15.0% in $100M-$1B
505
Total Deposits
size
Value: $509.60M
Peer Median: $326.73M
#505 of 2643 Top 19.1% in $100M-$1B
581
Net Interest Margin
profitability
Value: 4.46%
Peer Median: 3.99%
#581 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (3 metrics)

2412
Loan-to-Deposit Ratio
liquidity
Value: 101.13%
Peer Median: 77.95%
#2412 of 2643 Bottom 8.8% in $100M-$1B
2303
Nonperforming Asset Ratio
credit_quality
Value: 1.42%
Peer Median: 0.67%
#2303 of 2643 Bottom 12.9% in $100M-$1B
2255
Delinquency Rate
credit_quality
Value: 1.82%
Peer Median: 0.92%
#2255 of 2633 Bottom 14.4% in $100M-$1B
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