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
Unfavorable gap of $15.9M · efficiency ratio beats 57% 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 | 1.23% | 0.72% | 1.06% | 1.45% | Beats 62% | 281 / 746 | | |
| Return on Equity | 9.79% | 6.74% | 10.51% | 13.63% | Beats 45% | 411 / 746 | | |
| Net Interest Margin | 4.20% | 3.17% | 3.68% | 4.16% | Beats 77% | 172 / 746 | | |
| Efficiency Ratio | 62.14% | 55.74% | 64.58% | 75.47% | Beats 57% | 324 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.79% | 0.09% | 0.42% | 1.07% | Beats 13% | 645 / 743 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 22% | 578 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.53% | 11.55% | 13.75% | 17.60% | Beats 37% | 473 / 746 | | |
| Total Risk-Based Capital Ratio | 12.53% | 11.71% | 14.33% | 18.43% | Beats 33% | 503 / 746 | | |
| Equity / Assets | 12.53% | 8.90% | 10.51% | 13.06% | Beats 71% | 216 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.44% | 61.31% | 78.27% | 90.78% | 92nd pctl | 57 / 746 | | |
| Loans / Assets | 79.33% | 53.60% | 66.97% | 76.08% | 84th pctl | 120 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |