BANK OF OAK RIDGE

OAK RIDGE, NC | Medium | Est. April 10, 2000, midnight | FDIC #35365 | RSSD #2903123 | FED
Latest Report: 2025-12-31

BANK OF OAK RIDGE is amn medium FDIC-insured commercial bank headquartered in OAK RIDGE, NC, established in April 10, 2000, midnight. As of 2025-12-31, the bank reported total assets of $658M and total deposits of $539M. Profitability stands at 1.51% ROA and 12.94% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 12.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.37% and a Texas Ratio of 8.26%. FDIC Certificate #35365.

Assets

$658M

Deposits

$539M

Loans

$516M

Equity

$80M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 12.94%
Net Interest Margin (NIM) 4.50%
Yield on Assets 6.45%
Cost of Funds 2.06%

Asset Quality

NPL Ratio 1.37%
Net Charge-Off Ratio 0.13%
Texas Ratio 8.26%
NPA Ratio 1.07%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 12.09%
Tier 1 Capital 12.09%
Total Capital Ratio 12.70%
Leverage Ratio 11.86%
Loan-to-Deposit 95.73%

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