BlastPoint's Banking Scorecard
Bank of Oak Ridge
Designations: ✓ CDFI-certified
Oak Ridge, NC
5 branches across NC
Bank of Oak Ridge has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Efficiency Ratio 0.58% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.1% in tier
- - ROA 0.26% below tier average
- - Delinquency Rate 0.96% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$655.4M
-2.8% YoY
-0.4% QoQ
|
+$269.3M |
$386.1M
+0.5% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
85% |
| Total Loans ? |
$506.9M
-2.7% YoY
-0.5% QoQ
|
+$251.2M |
$255.7M
+1.1% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
Top 10.5% in tier |
| Total Deposits ? |
$545.4M
-0.9% YoY
+1.2% QoQ
|
+$217.4M |
$328.0M
+0.1% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
83% |
| Return on Assets ? |
1.01%
-5.7% YoY
-23.9% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
4.15%
-0.5% YoY
-5.1% QoQ
|
+0.22% |
3.93%
+6.0% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
64.71%
+0.6% YoY
+8.0% QoQ
|
-0.58% |
65.29%
-4.5% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
1.85%
+111.3% YoY
+33.3% QoQ
|
+0.96% |
0.89%
+18.8% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.1% in tier |
| Loan-to-Deposit Ratio ? |
92.95%
-1.9% YoY
-1.8% QoQ
|
+16.31% |
76.64%
+0.8% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
25.04%
+10.8% YoY
+5.0% QoQ
|
+3.03% |
22.02%
-1.0% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
1.43%
+111.4% YoY
+33.1% QoQ
|
+0.79% |
0.64%
+19.7% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.4% in tier |
| Tier 1 Capital Ratio ? |
12.23%
+10.2% YoY
+3.2% QoQ
|
-3.60% |
15.83%
+1.5% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.12%
+6.6% YoY
-80.6% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.