Oak Ridge, NC · Cert 35365 · Oak Ridge Finl Services Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Greensboro-High Point, NC · 2026 SOD (annual) · 3.1% share · #9 of 26 inst. · $0.5B of $16.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.02% | 1.07% | 1.26% | 1.26% | 1.32% | 1.01% | 1.23% | -4 bps | |
| Return on Equity | 9.41% | 9.43% | 9.89% | 11.61% | 11.43% | 11.81% | 8.29% | 10.00% | -161 bps | |
| Net Interest Margin | 3.77% | 3.76% | 3.94% | 4.02% | 4.10% | 4.13% | 3.91% | 4.20% | +18 bps | |
| Efficiency Ratio | 65.63% | 64.95% | 64.30% | 60.65% | 59.38% | 59.93% | 64.71% | 62.14% | +149 bps | |
| Non-Interest Burden | 2.30% | 2.27% | 2.37% | 2.21% | 2.18% | 2.23% | 2.36% | 2.43% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.85% | 7.14% | 7.12% | 4.33% | 4.27% | -0.55% | -2.82% | -2.46% | -679 bps | |
| Loan Growth (YoY) | 11.22% | 9.88% | 10.33% | 8.46% | 4.17% | 0.54% | -2.54% | -2.55% | -1,101 bps | |
| Deposit Growth (YoY) | 6.75% | 7.65% | 9.06% | 6.86% | 5.55% | -0.06% | -0.89% | -7.56% | -1,442 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.68% | 0.87% | 0.92% | 1.09% | 1.37% | 1.83% | 1.79% | +88 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.17% | 0.09% | 0.07% | 0.17% | 0.13% | 0.24% | 0.11% | +4 bps | |
| Allowance / Loans | 1.06% | 1.05% | 1.06% | 1.11% | 1.19% | 1.17% | 1.25% | 1.28% | +17 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.5x | 1.2x | 1.2x | 1.1x | 0.9x | 0.7x | 0.7x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.14% | 11.04% | 11.11% | 11.21% | 11.49% | 11.86% | 12.23% | 12.53% | +132 bps | |
| Total Risk-Based Capital | 11.14% | 11.04% | 11.11% | 11.21% | 11.49% | 11.86% | 12.23% | 12.53% | +132 bps | |
| Equity / Assets | 11.01% | 10.81% | 10.81% | 11.03% | 11.32% | 12.09% | 12.24% | 12.53% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.57% | 95.16% | 95.73% | 97.18% | 96.29% | 95.73% | 94.13% | 102.44% | +526 bps | |
| Liquid Assets / Assets | 4.47% | 4.80% | 4.51% | 4.16% | 5.00% | 3.88% | 4.11% | 2.77% | -139 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 472% | 447% | 431% | n/a | n/a | |