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Bank of Oak Ridge

Oak Ridge, LA · Cert 21529 · Oak Ridge Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

57

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Oak Ridge

Oak Ridge, LA · Cert 21529 · Oak Ridge Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$138.6MAssets
$113.2MLoans
$121.8MDeposits
$16.1MEquity
Loan mix
76%RE $79.6M21%C&I $21.9M3%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $103.0M15%Noninterest $18.8MQ2 2025Q2 2026

NIM

5.67%Q2 ’246.05%Q2 ’256.01%Q2 ’26+13%+7%

Non-interest income vs. expense

3.03%Q2 ’243.54%Q2 ’252.99%Q2 ’26+12%-16%

Market Position · Monroe, LA · 2026 SOD (annual) · 2.0% share · #13 of 20 inst. · $0.1B of $6.2B

1.6% Ouachita
15.1% Morehouse

Executive Summary

  • Earnings: ROA of 0.84%, up 64 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 11.59%, down 152 bps from a year ago.
  • Funding: loans stand at 92.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%+64 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+27 bps YoY

Efficiency Ratio (YTD, annualized)

71.73%-1,851 bps YoY

Tier 1 Leverage Ratio

11.59%-152 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.39%0.53%0.81%0.84%+64 bps
Return on Equity1.52%3.08%4.23%7.07%7.28%+576 bps
Net Interest Margin3.68%3.75%3.72%3.80%3.95%+27 bps
Efficiency Ratio90.24%82.92%78.59%73.80%71.73%-1,851 bps
Non-Interest Burden3.30%3.07%2.89%2.78%2.77%-53 bps
Growth
Asset Growth (YoY)8.95%20.37%22.36%14.70%21.74%+1,280 bps
Loan Growth (YoY)19.75%17.22%23.14%15.44%19.76%+1 bps
Deposit Growth (YoY)11.59%22.88%23.72%15.81%24.02%+1,243 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.08%+8 bps
Allowance / Loans0.98%1.02%1.00%1.04%1.00%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.11%12.70%12.01%11.47%11.59%-152 bps
Total Risk-Based Capital18.13%16.84%15.10%15.81%14.88%-325 bps
Equity / Assets13.24%12.26%11.42%11.62%11.62%-163 bps
Liquidity & Funding
Loans / Deposits96.26%90.80%95.75%88.29%92.95%-330 bps
Liquid Assets / Assets10.19%14.81%12.89%16.50%12.37%+218 bps
CRE / Total Capitaln/a327%382%355%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Oak Ridge

Oak Ridge, LA · Cert 21529 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Oak Ridge Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$138.6MAssets
$113.2MLoans
$121.8MDeposits
$16.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: return on equity trails 72% of banks under $1B in assets operating in a single state (rank 538 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.83%

Rank 503 of 746

Net Interest Margin

3.95%

Rank 273 of 746

Efficiency Ratio

71.73%

Rank 503 of 746

Equity / Assets

11.62%

Rank 263 of 746

Non-interest income vs. expense

$0.3M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 33% of banks under $1B in assets operating in a single state
Bank 71.73%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.83%0.72%1.06%1.45%Beats 33%503 / 746
Return on Equity7.12%6.74%10.51%13.63%Beats 28%538 / 746
Net Interest Margin3.95%3.17%3.68%4.16%Beats 63%273 / 746
Efficiency Ratio71.73%55.74%64.58%75.47%Beats 33%503 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 29%531 / 743
Capital
Tier 1 Capital Ratio13.89%11.55%13.75%17.60%Beats 51%365 / 746
Total Risk-Based Capital Ratio14.88%11.71%14.33%18.43%Beats 55%337 / 746
Equity / Assets11.62%8.90%10.51%13.06%Beats 65%263 / 746
Liquidity & Funding
Loans / Deposits92.95%61.31%78.27%90.78%79th pctl153 / 746
Loans / Assets81.67%53.60%66.97%76.08%89th pctl81 / 746
Brokered Deposits / Depositsn/aNot reported for this institution