Bank of Oak Ridge: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Oak Ridge of Oak Ridge, NC against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.45% | 1.34% | +0.11% | 60th above |
| ROAE | 11.71% | 13.32% | -1.61% | 46th below |
| Net Interest Margin | 4.69% | 3.93% | +0.76% | 85th top |
| Efficiency Ratio | 59.84% | 61.13% | -1.29% | 54th above |
| PPNR / Avg Assets | 2.00% | 1.68% | +0.32% | 72nd above |
| Yield on Earning Assets | 6.29% | 5.67% | +0.62% | 80th top |
| Cost of Funds | 1.78% | 1.88% | -0.10% | 52nd above |
| Net Interest Spread | 3.95% | 3.32% | +0.63% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.73% | 0.94% | +2.79% | 4th bottom |
| NPA / Total Assets | 2.96% | 0.70% | +2.26% | 3rd bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 89th top |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 34.28% | 1547.17% | -1512.89% | 5th bottom |
| Texas Ratio | 21.87% | 7.33% | +14.54% | 6th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 326.04% | 1395.90% | -1069.86% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.53% | 12.14% | +0.39% | 70th above |
| Equity / Assets | 12.53% | 11.36% | +1.17% | 75th top |
| TCE / Tangible Assets | 12.53% | 11.08% | +1.45% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.44% | 80.65% | +21.79% | 8th bottom |
| Core Deposit Ratio | 92.86% | 86.85% | +6.01% | 73rd above |
| Wholesale Funding Ratio | 8.59% | 5.03% | +3.56% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.46% | 6.85% | -9.31% | 9th bottom |
| Loan Growth (Y/Y) | -2.55% | 7.92% | -10.47% | 13th bottom |
| Deposit Growth (Y/Y) | -7.56% | 6.30% | -13.86% | 4th bottom |
See Bank of Oak Ridge's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Oak Ridge, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Oak Ridge profile, how to read a UBPR, or how this data updates.