Bank of Oak Ridge

BankOak Ridge, North Carolina
www.bankofoakridge.com

Total Assets

$657.8M

Total Deposits

$538.7M

Branches

5

Established

2000

TFS Health Grade

$
D+

69.5 / 100

Below average financial health

How we grade

Bank of Oak Ridge is a bank headquartered in Oak Ridge, North Carolina, established in 2000. With $657.8M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D+ (69.5/100).

Capital & Safety

Tier 1 Capital Ratio
11.86%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.37%

Profitability

Return on Assets (ROA)
1.32%(1%)
Return on Equity (ROE)
11.81%(10%)
Net Interest Margin
4.38%
Efficiency Ratio
59.93%(60%)

Lending & Liquidity

Total Loans
$515.7M
Loan-to-Deposit Ratio
94.61%
Net Charge-Off Ratio
0.12%

Growth

Asset Growth (YoY)
-0.55%
Deposit Growth (YoY)
-0.06%
Net Income
$8.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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