Bank of Oak Ridge (Oak Ridge, NC)
BankRegReports is independent of Bank of Oak Ridge and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of Oak Ridge is an FDIC-insured commercial bank headquartered in Oak Ridge, NC, established in 2000 (FDIC certificate 35365), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $658.1M, down 2.5% from Q2 2025, the 17th largest of 38 banks headquartered in North Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 35365
- Headquarters
- Oak Ridge, NC
- Established
- 2000
- Total assets, Q2 2026
- $658.1M
- Assets vs Q2 2025
- -2.5%
- Tier 1 leverage ratio, Q2 2026
- 12.53%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 053112327
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Oak Ridge call report
- Holding company
- OAK RIDGE FINANCIAL SERVICES, INC.
- Asset rank in state
- 17th of 38 in North Carolina
Bank of Oak Ridge, based in Oak Ridge, North Carolina, reported $658 million in assets at June 30, 2026, down 2.5% from a year earlier. It lost 7.6% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also keeps 4.69 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
The commercial and industrial book ($73 million) is worsening: 6.40% of it is past due or on nonaccrual, up from 2.66% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.46% of loans from 0.92%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Bank of Oak Ridge reported a return on assets of 1.45%, a nonperforming-loan ratio of 1.79% and a Texas ratio of 2.70%. The figures come from its call report filed with the FFIEC.
Of the 38 banks headquartered in North Carolina, Bank of Oak Ridge is the 17th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $658.1M, loans rose 1.7% and deposits fell 6.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 29.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 25.7%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in NC; its Greensboro 2 offices book 38% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Oak Ridge meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2211 Oak Ridge Rd, Oak Ridge, NC 27310
- County
- Guilford
- Metro Area
- Greensboro-High Point, NC
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 10, 2000
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 76
- Domestic deposits
- $509.6M
- Allowance for credit losses
- $6.7M
- Net charge-offs (YTD)
- $288K
- Average total assets
- $657.4M
- Average total loans
- $516.1M
- Average interest-bearing deposits
- $388.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 10, 2000
- FDIC Cert
- 35365
- Fed RSSD
- 2903123
- SEC CIK
- 1398006 → filed by OAK RIDGE FINANCIAL SERVICES, INC.
- Website
- www.bankofoakridge.com →
- Parent Holding Company
- OAK RIDGE FINANCIAL SERVICES, INC. (RSSD 3587427)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Oak Ridge reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Oak Ridge's total assets ran between $609.5M (Q3 2023) and $679.1M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$658.1M total assets against $674.7M; $575.7M total liabilities against $600.3M.
$515.4M net loans and leases against $529.8M; $509.6M total deposits against $551.3M.
$98.3M securities against $97.1M; $14.0M cash and balances due against $18.4M.
$9.9M total interest income against $10.2M; $2.5M total interest expense against $3.1M.
$7.4M net interest income against $7.0M.
$822K total noninterest income against $1.2M; $4.9M total noninterest expense against $4.7M.
$241K provision for credit losses against $402K.
$2.4M net income against $2.5M.
1.45% return on assets against 1.45%; 4.69% net interest margin against 4.34%.
12.53% tier 1 leverage ratio against 11.21%.
Inside the full Bank of Oak Ridge terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Oak Ridge rankings
Its closest position to the top of a national ranking is 1,430 of 4,196, for total assets; its furthest is 1,958 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.01% (Q1 2026) to 1.51% (Q4 2025) and its net interest margin ran from 3.99% (Q3 2024) to 4.69% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.53% | 1.45% | 1.79% | 2.70% | 4.69% |
| Q1 2026 | 12.23% | 1.01% | 1.83% | 10.81% | 4.08% |
| Q4 2025 | 11.86% | 1.51% | 1.37% | 8.26% | 4.33% |
| Q3 2025 | 11.49% | 1.25% | 1.09% | 6.92% | 4.42% |
| Q2 2025 | 11.21% | 1.45% | 0.92% | 6.11% | 4.34% |
| Q1 2025 | 11.11% | 1.07% | 0.87% | 5.81% | 4.09% |
| Q4 2024 | 11.04% | 1.02% | 0.68% | 4.54% | 4.10% |
| Q3 2024 | 11.14% | 1.03% | 0.58% | 3.82% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Oak Ridge (main office) | Oak Ridge , NC | 27310 | $143.8M |
| Summerfield Branch | Summerfield , NC | 27358 | $116.3M |
| Lake Jeanette Branch | Greensboro , NC | 27455 | $102.0M |
| New Garden Branch | Greensboro , NC | 27410 | $90.8M |
| Eastchester Drive - High Point Office Branch | High Point , NC | 27265 | $56.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 37 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 41 applications, 31 loans originated, $13.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 33 loans, $36.8M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bank of Oak Ridge’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Bank of Oak Ridge
What are Bank of Oak Ridge's total assets?
As of the Q2 2026 filing, Bank of Oak Ridge reported total assets of $658.1 million in its FFIEC call report.
Where is Bank of Oak Ridge headquartered?
It is headquartered in Oak Ridge, NC, United States.
When was Bank of Oak Ridge founded?
It was established in 2000, per the FDIC institution directory.
Is Bank of Oak Ridge FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35365). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Oak Ridge?
Bank of Oak Ridge's primary federal regulator is the Federal Reserve.
How many branches does Bank of Oak Ridge operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Oak Ridge's Texas Ratio?
Its Texas Ratio is 2.70% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Bank of Oak Ridge.
Get an email when Bank of Oak Ridge files its next call report, and benchmark it against any peer you choose.
Unlock Bank of Oak Ridge, freeFree account