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
Unfavorable gap of $3.9M · efficiency ratio beats 33% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.72% | 1.06% | 1.45% | Beats 33% | 503 / 746 | | |
| Return on Equity | 7.12% | 6.74% | 10.51% | 13.63% | Beats 28% | 538 / 746 | | |
| Net Interest Margin | 3.95% | 3.17% | 3.68% | 4.16% | Beats 63% | 273 / 746 | | |
| Efficiency Ratio | 71.73% | 55.74% | 64.58% | 75.47% | Beats 33% | 503 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 29% | 531 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.89% | 11.55% | 13.75% | 17.60% | Beats 51% | 365 / 746 | | |
| Total Risk-Based Capital Ratio | 14.88% | 11.71% | 14.33% | 18.43% | Beats 55% | 337 / 746 | | |
| Equity / Assets | 11.62% | 8.90% | 10.51% | 13.06% | Beats 65% | 263 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.95% | 61.31% | 78.27% | 90.78% | 79th pctl | 153 / 746 | | |
| Loans / Assets | 81.67% | 53.60% | 66.97% | 76.08% | 89th pctl | 81 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |