Bank Comparison
Classic Bank, N.A. vs Bank of Oak Ridge
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 10
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Classic Bank, N.A. | Bank of Oak Ridge |
|---|---|---|
| CET1 Ratio | 15.44% | — |
| Tier 1 Capital Ratio | 15.44% | — |
| Total Capital Ratio | 16.70% | — |
| Tier 1 Leverage Ratio | 11.58% | 12.53% |
| Equity / Assets | 11.20% | 12.53% |
Profitability
| Metric | Classic Bank, N.A. | Bank of Oak Ridge |
|---|---|---|
| Return on Assets (ROA) | 0.97% | 1.45% |
| Return on Equity (ROE) | 8.84% | 11.71% |
| Net Interest Margin (NIM) | 3.84% | 4.69% |
| Yield on Earning Assets | 5.64% | 6.29% |
| Cost of Funds | 1.97% | 1.78% |
Asset quality
| Metric | Classic Bank, N.A. | Bank of Oak Ridge |
|---|---|---|
| Texas Ratio | 8.38% | 21.87% |
| Non-Performing Loan Ratio | 1.26% | 3.73% |
| Non-Performing Asset Ratio | 1.02% | 2.96% |
| Net Charge-Off Ratio | 0.02% | -0.01% |
| ACL / Loans | 1.18% | 1.28% |
Balance sheet
| Metric | Classic Bank, N.A. | Bank of Oak Ridge |
|---|---|---|
| Total Assets | $657.5M | $658.1M |
| Total Deposits | $576.2M | $509.6M |
| Total Loans | $530.0M | $522.1M |
| Total Equity | $73.7M | $82.4M |
| Net Income (quarter) | $1.6M | $2.4M |
Liquidity & funding
| Metric | Classic Bank, N.A. | Bank of Oak Ridge |
|---|---|---|
| Loan-to-Deposit Ratio | 92.00% | 102.44% |
| Core Deposit Ratio | 90.33% | 92.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Classic Bank, N.A. | Bank of Oak Ridge |
|---|---|---|
| Headquarters City | Cameron | Oak Ridge |
| Headquarters State | TX | NC |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | OCC | FED |
| Domestic Branches | 7 | 5 |
| Employees (FTE) | 96 | 76 |
| Established | August 22, 1889 | April 10, 2000 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Classic Bank, N.A. profile | View full Bank of Oak Ridge profile | Browse all bank comparisons