Bank of Oak Ridge: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 8.32 percentage points higher than in Q1 2026, at 102.44%. On loan-to-deposit ratio, Bank of Oak Ridge ranks 3rd highest among the 38 banks headquartered in North Carolina, at 102.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Oak Ridge sits 21.61 points higher, at 102.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $522.1M |
| Net loans and leases | $515.4M |
| Loans held for sale | $0 |
| Loans to total assets | 79.33% |
| Loan-to-deposit ratio | 102.44% |
| Net loans to equity capital | 6.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.25% |
| Multifamily (5+ residential) | 5.81% |
| Commercial and industrial | 14.05% |
| Consumer | 0.63% |
| Credit cards | 0.17% |
| Farm | 0.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 243.53% |
| Construction concentration (Tier 1 capital + allowance) | 38.20% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.63% |
| Interest income on loans | $8.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $454.5M | $485.4M | 58.24% | 12.79% | 1.03% |
| Q4 2023 | $466.8M | $500.7M | 57.40% | 13.79% | 1.02% |
| Q1 2024 | $477.4M | $504.5M | 57.00% | 14.23% | 1.03% |
| Q2 2024 | $494.0M | $515.9M | 56.77% | 15.67% | 0.92% |
| Q3 2024 | $505.5M | $518.1M | 55.94% | 15.40% | 0.87% |
| Q4 2024 | $512.9M | $539.0M | 54.92% | 15.35% | 0.82% |
| Q1 2025 | $526.8M | $550.3M | 54.57% | 15.43% | 0.77% |
| Q2 2025 | $535.7M | $551.3M | 54.74% | 14.63% | 0.72% |
| Q3 2025 | $526.6M | $546.9M | 55.48% | 13.61% | 0.68% |
| Q4 2025 | $515.7M | $538.7M | 56.47% | 13.84% | 0.70% |
| Q1 2026 | $513.4M | $545.4M | 55.14% | 14.07% | 0.65% |
| Q2 2026 | $522.1M | $509.6M | 55.25% | 14.05% | 0.63% |
Bank of Oak Ridge loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Oak Ridge, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Oak Ridge profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35365) · FFIEC NIC profile (RSSD 2903123)