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Bank of Oak Ridge

Oak Ridge, NC · Cert 35365 · Oak Ridge Finl Services Inc.

State charter, Fed member · FED · 5 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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

57

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, NC · Cert 35365 · Oak Ridge Finl Services Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$658.1MAssets
$522.1MLoans
$509.6MDeposits
$82.4MEquity
Loan mix
85%RE $437.5M14%C&I $72.1M1%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $374.4M27%Noninterest $135.2MQ2 2025Q2 2026

NIM

5.72%Q2 ’245.90%Q2 ’255.78%Q2 ’26+6%+4%

Non-interest income vs. expense

2.81%Q2 ’242.79%Q2 ’252.91%Q2 ’26-5%+10%

Market Position · Greensboro-High Point, NC · 2026 SOD (annual) · 3.1% share · #9 of 26 inst. · $0.5B of $16.7B

Executive Summary

  • Earnings: ROA of 1.23%, down 4 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 1.79% of loans (+88 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 12.53%, up 132 bps from a year ago.
  • Funding: loans stand at 102.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+18 bps YoY

Efficiency Ratio (YTD, annualized)

62.14%+149 bps YoY

Tier 1 Leverage Ratio

12.53%+132 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.26%1.32%1.01%1.23%-4 bps
Return on Equity11.61%11.43%11.81%8.29%10.00%-161 bps
Net Interest Margin4.02%4.10%4.13%3.91%4.20%+18 bps
Efficiency Ratio60.65%59.38%59.93%64.71%62.14%+149 bps
Non-Interest Burden2.21%2.18%2.23%2.36%2.43%+22 bps
Growth
Asset Growth (YoY)4.33%4.27%-0.55%-2.82%-2.46%-679 bps
Loan Growth (YoY)8.46%4.17%0.54%-2.54%-2.55%-1,101 bps
Deposit Growth (YoY)6.86%5.55%-0.06%-0.89%-7.56%-1,442 bps
Asset Quality
Nonperforming Loans / Loans0.92%1.09%1.37%1.83%1.79%+88 bps
Net Charge-Offs / Loans0.07%0.17%0.13%0.24%0.11%+4 bps
Allowance / Loans1.11%1.19%1.17%1.25%1.28%+17 bps
Allowance Coverage of NPLs1.2x1.1x0.9x0.7x0.7x-0.5x
Capital
Tier 1 Leverage Ratio11.21%11.49%11.86%12.23%12.53%+132 bps
Total Risk-Based Capital11.21%11.49%11.86%12.23%12.53%+132 bps
Equity / Assets11.03%11.32%12.09%12.24%12.53%+149 bps
Liquidity & Funding
Loans / Deposits97.18%96.29%95.73%94.13%102.44%+526 bps
Liquid Assets / Assets4.16%5.00%3.88%4.11%2.77%-139 bps
CRE / Total Capitaln/a472%447%431%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, NC · Cert 35365 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Oak Ridge Finl Services Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$658.1MAssets
$522.1MLoans
$509.6MDeposits
$82.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 77% of banks under $1B in assets operating in a single state (rank 172 of 746).
  • Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets operating in a single state (rank 645 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.23%

Rank 281 of 746

Net Interest Margin

4.20%

Rank 172 of 746

Efficiency Ratio

62.14%

Rank 324 of 746

Equity / Assets

12.53%

Rank 216 of 746

Non-interest income vs. expense

$3.2M$19.2MINCOMEEXPENSE
Unfavorable gap of $15.9M · efficiency ratio beats 57% of banks under $1B in assets operating in a single state
Bank 62.14%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.72%1.06%1.45%Beats 62%281 / 746
Return on Equity9.79%6.74%10.51%13.63%Beats 45%411 / 746
Net Interest Margin4.20%3.17%3.68%4.16%Beats 77%172 / 746
Efficiency Ratio62.14%55.74%64.58%75.47%Beats 57%324 / 746
Asset Quality
Nonperforming Loans / Loans1.79%0.09%0.42%1.07%Beats 13%645 / 743
Net Charge-Offs / Loans0.06%0.00%0.01%0.05%Beats 22%578 / 743
Capital
Tier 1 Capital Ratio12.53%11.55%13.75%17.60%Beats 37%473 / 746
Total Risk-Based Capital Ratio12.53%11.71%14.33%18.43%Beats 33%503 / 746
Equity / Assets12.53%8.90%10.51%13.06%Beats 71%216 / 746
Liquidity & Funding
Loans / Deposits102.44%61.31%78.27%90.78%92nd pctl57 / 746
Loans / Assets79.33%53.60%66.97%76.08%84th pctl120 / 746
Brokered Deposits / Depositsn/aNot reported for this institution