Bank of Oak Ridge (Oak Ridge, LA)
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, LA, supervised by the FDIC, with $138.6M in total assets at Q2 2026, up 21.7% from Q2 2025, the 86th largest of 102 banks headquartered in Louisiana. It was established in 1910 and holds FDIC certificate 21529. Its CET1 capital ratio was 13.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21529
- Headquarters
- Oak Ridge, LA
- Established
- 1910
- Total assets, Q2 2026
- $138.6M
- Assets vs Q2 2025
- +21.7%
- CET1 ratio, Q2 2026
- 13.89%
- Domestic offices
- 3 · Bank of Oak Ridge branches FDIC institution directory, current count
- Routing number
- 111102208
- Safety and soundness
- Is Bank of Oak Ridge safe?
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Oak Ridge call report
- Holding company
- OAK RIDGE BANCSHARES, INC.
- Asset rank in state
- 86th of 102 in Louisiana
Bank of Oak Ridge is growing quickly. The Oak Ridge, Louisiana bank had $139 million in assets at June 30, 2026, up 21.7% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also grew its loan book 19.8% over the year, 3.6 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $380,000, 186% above the same quarter a year earlier. Over the same year, loans grew 19.8% and deposits grew 24.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 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 CET1 capital ratio of 13.89%, a return on assets of 1.09%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Bank of Oak Ridge is the 86th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $138.6M, loans rose 7.7% and deposits rose 2.3%. Non-owner-occupied commercial real estate loans made up 22.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 20.7%. The FDIC Summary of Deposits lists 3 offices for it, in Oak Ridge, LA, Monroe, LA and West Monroe, LA; its Oak Ridge office books 42% of its branch deposits. Judged on its Q2 2026 call report, Bank of Oak Ridge meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 105 N Oak St, Oak Ridge, LA 71264
- County
- Morehouse
- Metro Area
- Monroe, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1910
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $121.8M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $46K
- Average total assets
- $139.4M
- Average total loans
- $109.1M
- Average interest-bearing deposits
- $114.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 11, 1974
- FDIC Cert
- 21529
- Fed RSSD
- 687054
- Website
- www.bankofoakridge.bank →
- Parent Holding Company
- OAK RIDGE BANCSHARES, INC. (RSSD 1109900)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Oak Ridge's total assets ranged from $101.4M (Q1 2024) to $138.6M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$138.6M total assets against $113.8M; $122.5M total liabilities against $98.8M.
$112.1M net loans and leases against $93.6M; $121.8M total deposits against $98.2M.
$2.0M securities against $2.5M; $19.3M cash and balances due against $12.5M.
$2.2M total interest income against $1.8M; $723K total interest expense against $680K.
$1.4M net interest income against $1.1M.
$121K total noninterest income against $115K; $1.1M total noninterest expense against $1.0M.
$90K provision for credit losses against $56K.
$380K net income against $133K.
1.09% return on assets against 0.46%; 4.27% net interest margin against 3.93%.
13.89% CET1 capital ratio against 17.08%; 11.59% tier 1 leverage ratio against 13.11%.
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.
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 1,149 of 2,134, for CET1 ratio; its furthest is 3,590 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.03% (Q1 2025) to 1.15% (Q4 2025) and its net interest margin ran from 3.46% (Q3 2024) to 4.43% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.89% | 1.09% | 0.00% | 0.00% | 4.27% |
| Q1 2026 | 14.77% | 1.02% | 0.00% | 0.00% | 3.95% |
| Q4 2025 | 14.09% | 1.15% | 0.00% | 0.00% | 4.37% |
| Q3 2025 | 15.78% | 0.97% | 0.00% | 0.00% | 4.43% |
| Q2 2025 | 17.08% | 0.46% | 0.00% | 0.00% | 3.93% |
| Q1 2025 | 16.79% | 0.03% | 0.00% | 0.00% | 3.76% |
| Q4 2024 | 17.49% | 0.60% | 0.00% | 0.00% | 4.01% |
| Q3 2024 | 18.09% | 0.25% | 0.00% | 0.02% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 , LA | 71264 | $50.9M |
| Monroe Branch | Monroe , LA | 71201 | $47.5M |
| West Monroe Branch | West Monroe , LA | 71291 | $23.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in LA, rank 96 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $138.6 million in its FFIEC call report.
Where is Bank of Oak Ridge headquartered?
It is headquartered in Oak Ridge, LA, United States.
When was Bank of Oak Ridge founded?
It was established in 1910, per the FDIC institution directory.
Is Bank of Oak Ridge FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21529). 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 FDIC.
What is Bank of Oak Ridge's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Oak Ridge operate?
It operates 3 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 0.00% 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