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 Bank of Oak Ridge
Bank of Oak Ridge
| RSSD ID 2903123 | CERTIFICATE 35365 | ABA NUMBER 53112327 |
| 2211 Oak Ridge Rd |
Quarter Ended : |
2025-12-31 |
| Oak Ridge, North Carolina, 27310 |
Updated : |
2026-01-29 |
| www.bankofoakridge.com |
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| Institution Profile |
| Year Opened : |
2000 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
75 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 657,818 |
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Total Interest Income | 40,107 |
| Total Liabilities | 578,277 |
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Total NonInterest Income | 4,053 |
| Total Bank Equity Capital | 79,541 |
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Total Interest Expense | 12,475 |
| Total Deposits | 538,690 |
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Total NonInterest Expense | 18,989 |
| Net Loans & Leases | 509,651 |
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Net Income | 8,868 |
| Loan Loss Allowance | 6,030 |
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Net Charge Offs | 651 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 521,073 |
| Total assets for the leverage ratio | 669,373 |
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Loans secured by real estate: | 446,067 |
| Tier 1 Leverage Ratio | 11.86 |
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Commercial and industrial loans | 71,465 |
| Off Balance Sheet Exposures (%) | 10.7 |
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Loans to individuals - Credit Cards | 861 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2,680 |
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:· Bank of Oak Ridge
