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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

$138.6MAssets
$113.2MLoans
$121.8MDeposits
$16.1MEquity
Loan mix
76%RE $79.6M21%C&I $21.9M3%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $103.0M15%Noninterest $18.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.28%0.03%0.20%0.39%0.53%0.81%0.84%+64 bps
Return on Equity1.58%2.04%0.21%1.52%3.08%4.23%7.07%7.28%+576 bps
Net Interest Margin3.22%3.34%3.60%3.68%3.75%3.72%3.80%3.95%+27 bps
Efficiency Ratio89.47%87.02%97.00%90.24%82.92%78.59%73.80%71.73%-1,851 bps
Non-Interest Burden2.87%2.89%3.49%3.30%3.07%2.89%2.78%2.77%-53 bps
Growth
Asset Growth (YoY)1.96%7.50%16.40%8.95%20.37%22.36%14.70%21.74%+1,280 bps
Loan Growth (YoY)12.13%17.40%18.64%19.75%17.22%23.14%15.44%19.76%+1 bps
Deposit Growth (YoY)5.74%7.59%20.93%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0.00%0.00%0.08%+8 bps
Allowance / Loans0.94%0.95%0.96%0.98%1.02%1.00%1.04%1.00%+2 bps
Allowance Coverage of NPLs265.7xn/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.15%13.96%12.83%13.11%12.70%12.01%11.47%11.59%-152 bps
Total Risk-Based Capital19.08%18.50%17.78%18.13%16.84%15.10%15.81%14.88%-325 bps
Equity / Assets14.00%13.25%12.52%13.24%12.26%11.42%11.62%11.62%-163 bps
Liquidity & Funding
Loans / Deposits95.19%96.20%88.58%96.26%90.80%95.75%88.29%92.95%-330 bps
Liquid Assets / Assets4.70%11.42%16.46%10.19%14.81%12.89%16.50%12.37%+218 bps
CRE / Total Capitaln/an/an/an/a327%382%355%n/an/a