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Bank Of Oak Ridge
Oak Ridge, NC · FDIC Certificate #35365 · Chartered 04/1
Total assets
$658.11M
Total deposits
$509.60M
Total equity
$82.43M
Net loans
$515.38M
Branches (offices)
5
Net income (YTD)
$4.04M
Rank: #1,438 of 4,213 U.S. banks by assets · #17 of 38 in North Carolina. Assets changed -2.5% and deposits -7.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 10.00% |
| Net interest margin (YTD) | 4.46% |
| Equity to assets | 12.53% |
| Tier 1 leverage ratio | 12.53% |
| Uninsured deposits (share of deposits) | 13.1% |
| Noncurrent loans (share of loans) | 1.79% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 101.1% |
| Real estate loans (share of loans) | 86.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $444.99M | 86.3% | |
| Commercial & industrial | $73.29M | 14.2% | |
| Consumer / individual | $3.31M | 0.6% | |
| Construction & development | $34.02M | 6.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $607.73M | $540.42M | $3.69M | $60.35M |
| Jun 2023 | $608.89M | $481.73M | $3.18M | $64.39M |
| Jun 2024 | $646.71M | $515.87M | $3.21M | $69.43M |
| Jun 2025 | $674.72M | $551.27M | $4.24M | $74.44M |
| Jun 2026 | $658.11M | $509.60M | $4.04M | $82.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $509.60M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $509.60M.
Similar-sized banks
Gbc International Bank ($658.46M) · Carver Federal Savings Bank ($658.05M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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