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 CRE concentration (Tier 1 capital + allowance): 21.61 percentage points higher than in Q1 2026, at 260.52%. Bank of Oak Ridge ranks 21st of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 92.95% (Q2 2026). Bank of Oak Ridge reported 92.95% on loan-to-deposit ratio for Q2 2026, 12.12 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $113.2M |
| Net loans and leases | $112.1M |
| Loans held for sale | $0 |
| Loans to total assets | 81.67% |
| Loan-to-deposit ratio | 92.95% |
| Net loans to equity capital | 6.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.36% |
| Multifamily (5+ residential) | 9.56% |
| Commercial and industrial | 20.00% |
| Consumer | 2.56% |
| Credit cards | 0.00% |
| Farm | 1.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 260.52% |
| Construction concentration (Tier 1 capital + allowance) | 51.56% |
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 | — |
| Interest income on loans | $1.9M |
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 | $75.6M | $84.2M | 32.19% | 25.81% | 2.44% |
| Q4 2023 | $75.7M | $85.9M | 31.44% | 28.27% | 2.32% |
| Q1 2024 | $76.7M | $85.0M | 33.61% | 25.47% | 2.16% |
| Q2 2024 | $78.9M | $88.0M | 32.59% | 27.08% | 2.02% |
| Q3 2024 | $84.8M | $89.1M | 30.24% | 27.30% | 1.78% |
| Q4 2024 | $88.9M | $92.4M | 32.26% | 25.81% | 1.60% |
| Q1 2025 | $91.0M | $102.8M | 31.78% | 23.55% | 3.21% |
| Q2 2025 | $94.5M | $98.2M | 30.29% | 22.13% | 2.99% |
| Q3 2025 | $99.4M | $109.4M | 32.71% | 21.94% | 2.76% |
| Q4 2025 | $109.4M | $114.3M | 33.98% | 21.78% | 2.22% |
| Q1 2026 | $105.1M | $119.0M | 36.05% | 20.85% | 2.89% |
| Q2 2026 | $113.2M | $121.8M | 37.36% | 20.00% | 2.56% |
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 21529) · FFIEC NIC profile (RSSD 687054)