Oak Ridge, LA · Cert 21529 · Oak Ridge Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Monroe, LA · 2026 SOD (annual) · 2.0% share · #13 of 20 inst. · $0.1B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.39% | 0.53% | 0.81% | 0.84% | +64 bps | |
| Return on Equity | 1.52% | 3.08% | 4.23% | 7.07% | 7.28% | +576 bps | |
| Net Interest Margin | 3.68% | 3.75% | 3.72% | 3.80% | 3.95% | +27 bps | |
| Efficiency Ratio | 90.24% | 82.92% | 78.59% | 73.80% | 71.73% | -1,851 bps | |
| Non-Interest Burden | 3.30% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | +8 bps | |
| Allowance / Loans | 0.98% | 1.02% | 1.00% | 1.04% | 1.00% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.11% | 12.70% | 12.01% | 11.47% | 11.59% | -152 bps | |
| Total Risk-Based Capital | 18.13% | 16.84% | 15.10% | 15.81% | 14.88% | -325 bps | |
| Equity / Assets | 13.24% | 12.26% | 11.42% | 11.62% | 11.62% | -163 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.26% | 90.80% | 95.75% | 88.29% | 92.95% | -330 bps | |
| Liquid Assets / Assets | 10.19% | 14.81% | 12.89% | 16.50% | 12.37% | +218 bps | |
| CRE / Total Capital | n/a | 327% | 382% | 355% | n/a | n/a | |