Bank call report · Oak Ridge, NC
Bank of Oak Ridge Call Report
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Bank of Oak Ridge filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 320 reported line items, schedule by schedule (643 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2903123 |
| FDIC certificate number | 35365 |
| Total assets | $658.1M |
Official Q2 2026 call report PDF (FFIEC) →
Bank of Oak Ridge call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Bank of Oak Ridge balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $658.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $658.1M |
| Total Liabilities and Minority Interest | RCON2948 | $575.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $522.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $515.4M |
| Total Deposits | RCON2200 | $509.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $374.4M |
| Deposits: Noninterest-bearing | RCON6631 | $135.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $84.0M |
| Total Equity Capital | RCON3210 | $82.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $82.4M |
| Other Borrowed Money | RCON3190 | $56.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $44.5M |
| Surplus | RCON3839 | $27.3M |
| Other Assets | RCON2160 | $19.9M |
| Held-to-maturity Securities, Total | RCON1754 | $14.3M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $14.3M |
| Common Stock | RCON3230 | $10.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $10.6M |
| Other Liabilities, Total | RCON2930 | $9.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $8.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.7M |
| Interest-bearing Balances | RCON0071 | $3.9M |
| Federal Funds Sold | RCONB987 | $1.2M |
| Accumulated Other Comprehensive Income | RCONB530 | $63K |
Schedule RI: Income Statement (40 items)
About Schedule RI · Bank of Oak Ridge income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $19.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $16.3M |
| Net Interest Income | RIAD4074 | $13.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $10.8M |
| Total Noninterest Expense | RIAD4093 | $9.6M |
| Salaries and Employee Benefits | RIAD4135 | $5.4M |
| Total Interest Expense | RIAD4073 | $5.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $5.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $5.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.0M |
| Net Income (Loss) | RIAD4340 | $4.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.3M |
| Other Noninterest Expense | RIAD4092 | $3.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.6M |
| Total Noninterest Income | RIAD4079 | $1.6M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.4M |
| Applicable Income Taxes | RIAD4302 | $1.1M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.0M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $941K |
| Provision for Loan and Lease Losses | RIAD4230 | $939K |
| Other Noninterest Income | RIADB497 | $880K |
| Interest on Other Securities | RIAD4060 | $836K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $710K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $409K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $395K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $318K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $305K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $223K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $220K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $110K |
| Other Interest Income | RIAD4518 | $100K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $64K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $35K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $29K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $18K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $10K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 76 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)
Schedule RC-B: Securities (40 items)
About Schedule RC-B · Bank of Oak Ridge securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $4.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $4.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $7.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $7.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $4.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $4.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $38.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $37.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Held-to-maturity Amortized Cost | RCONG320 | $200K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Held-to-maturity Fair Value | RCONG321 | $272K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $84.6M |
| Pledged Securities | RCON0416 | $40.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $37.2M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $14.1M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $13.7M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $13.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $12.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $11.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $11.2M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $11.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $10.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $8.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $6.9M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $5.8M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $5.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $5.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $5.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $5.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Amortized Cost | RCONK156 | $4.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Fair Value | RCONK157 | $4.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $2.8M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $2.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $883K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $874K |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $750K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $746K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $500K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $356K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $48K |
Schedule RC-C, Part I: Loans and Leases (36 items)
About Schedule RC-C, Part I · Bank of Oak Ridge loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $522.1M |
| Pledged Loans and Leases | RCONG378 | $240.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $162.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $154.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $134.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $118.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $75.2M |
| Commercial and Industrial Loans | RCON1766 | $73.3M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $73.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $62.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $61.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $54.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $30.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $25.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $19.2M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $18.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $17.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $16.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $13.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $12.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $12.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $11.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $10.9M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $10.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $9.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $9.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $9.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $9.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $7.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $1.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $865K |
| Unearned Income on Loans | RCON2123 | -$473K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $167K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $102K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $89.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $37.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $12.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $10.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $8.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $37K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 243 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 211 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 103 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 90 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 87 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 29 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · Bank of Oak Ridge deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $302.5M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $278.6M |
| Total Transaction Accounts | RCON2215 | $207.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $202.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $133.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $116.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $100.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $70.8M |
| Total reciprocal deposits | RCONJH83 | $65.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $61.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $47.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $39.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $33.1M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $29.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $21.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $18.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $18.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $17.8M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $17.8M |
| Total Brokered Deposits | RCON2365 | $17.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $12.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $5.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $4.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $3.4M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $3.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.2M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $713K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $684K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $7K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $6.4M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $6.0M |
| Accrued Interest Receivable | RCONB556 | $3.3M |
| Other Assets | RCON2168 | $2.1M |
| Net Deferred Tax Assets | RCON2148 | $2.0M |
| Prepaid Expenses | RCON2166 | $874K |
| Computer Software | RCONFT33 | $350K |
| Accounts Receivable | RCONFT34 | $209K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $5.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $3.7M |
| Deferred Compensation Liabilities | RCONC011 | $2.2M |
| Operating lease liabilities | RCONLB56 | $2.2M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $367K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $232K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Bank of Oak Ridge quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $657.4M |
| Quarterly Average of Total Loans | RCON3360 | $516.1M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $350.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $185.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $110.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $90.4M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $73.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $72.4M |
| Mortgage-backed Securities | RCONB559 | $64.7M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $42.6M |
| All Other Securities | RCONB560 | $31.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $18.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $9.5M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $3.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $802K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $658K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (14 items)
About Schedule RC-L · Bank of Oak Ridge derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $64.3M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $64.3M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $64.3M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $26.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $16.8M |
| Unused Commitments - Credit Card Lines | RCON3815 | $6.6M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $6.0M |
| Credit Card Lines: Other Unused Credit Card Lines | RCONJ456 | $4.9M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4.3M |
| Commercial and Similar Letters of Credit | RCON3411 | $3.3M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1.9M |
| Credit Card Lines: Unused Consumer Credit Card Lines | RCONJ455 | $1.7M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $1.2M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $647K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Bank of Oak Ridge memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $49.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $49.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $7.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $705K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (25 items)
About Schedule RC-N · Bank of Oak Ridge past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $9.4M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $7.0M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $7.0M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $4.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $2.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $2.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $2.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $2.1M |
| Additions to Nonaccrual Assets | RCONC410 | $1.9M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $856K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $425K |
| Loan Mod to Borrowers Experiencing Fin Dfclty : Commercial and Industrial Loans - to US Addressees - Past Due 30 Through 89 Days and Still Accruing | RCONK120 | $384K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK257 | $384K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $363K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $258K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $193K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $193K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $103K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $75K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $41K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Past Due 30 Through 89 Days and Still Accruing. | RCONF661 | $41K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $34K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $28K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $18K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Bank of Oak Ridge other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $657.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $509.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $369.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $138.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $82.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 16,581 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 286 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 98 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $84.7M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $84.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $84.0M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $84.0M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $647K |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $647K |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Level 2 Fair Value Measurements | RCONG549 | $647K |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Total Fair Value Reported on Schedule Rc | RCONG546 | $647K |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $647K |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Bank of Oak Ridge regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $658.1M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $657.4M |
| Average total consolidated assets | RCOAKW03 | $657.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $82.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $82.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $82.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $82.4M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $66.2M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $63.0M |
| Retained Earnings | RCOAKW00 | $44.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $37.9M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $3.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | $63K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | $63K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1253 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1006 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $82.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $79.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $79.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.4M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $317K |
| Other Comprehensive Income | RIADB511 | -$104K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Bank of Oak Ridge charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $312K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $305K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $24K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $20K |
| Charge-offs on All Other Loans | RIAD4644 | $7K |
| Recoveries on All Other Loans | RIAD4628 | $4K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (6 items)
About Schedule RI-B, Part II · Bank of Oak Ridge changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $6.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $312K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $34K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $34K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $2K |
Schedule RI-E: Explanations (3 items)
Bank of Oak Ridge call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Bank of Oak Ridge call report?
The Bank of Oak Ridge call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Bank of Oak Ridge file?
Bank of Oak Ridge files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Bank of Oak Ridge call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bank of Oak Ridge has Federal Reserve RSSD ID 2903123 and FDIC certificate number 35365. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bank of Oak Ridge file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Bank of Oak Ridge financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 35365) · FFIEC NIC profile (RSSD 2903123)