Bank of Oak Ridge: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 8.32 percentage points in Q2 2026, from 94.13% to 102.44%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, Bank of Oak Ridge is 11th of 38 on return on assets, 1.45% as of Q2 2026, above the middle of the field. Bank of Oak Ridge reported 1.45% on return on assets for Q2 2026, 0.19 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.53% |
| Equity capital to assets | 12.53% |
| Tangible equity to tangible assets | 12.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.73% |
| Non-performing assets ratio | 2.96% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 21.87% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 34.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 11.71% |
| Net interest margin | 4.69% |
| Efficiency ratio | 59.84% |
| Yield on earning assets | 6.29% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.44% |
| Core deposits to total deposits | 92.86% |
| Brokered deposits to total deposits | 3.48% |
| Deposits to assets | 77.43% |
| Securities to assets | 14.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.34% | 1.14% | 4.03% | 0.36% | 0.02% |
| Q4 2023 | 11.18% | 1.10% | 4.01% | 0.35% | 0.21% |
| Q1 2024 | 11.31% | 1.02% | 3.93% | 0.30% | 0.18% |
| Q2 2024 | 11.13% | 1.01% | 4.07% | 0.35% | -0.01% |
| Q3 2024 | 11.14% | 1.03% | 3.99% | 0.82% | 0.09% |
| Q4 2024 | 11.04% | 1.02% | 4.10% | 2.29% | 0.42% |
| Q1 2025 | 11.11% | 1.07% | 4.09% | 2.44% | 0.09% |
| Q2 2025 | 11.21% | 1.45% | 4.34% | 3.45% | 0.05% |
| Q3 2025 | 11.49% | 1.25% | 4.42% | 3.80% | 0.39% |
| Q4 2025 | 11.86% | 1.51% | 4.33% | 3.42% | -0.03% |
| Q1 2026 | 12.23% | 1.01% | 4.08% | 3.37% | 0.24% |
| Q2 2026 | 12.53% | 1.45% | 4.69% | 3.73% | -0.01% |
Bank of Oak Ridge vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Oak Ridge, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)