# BANK OF OAK RIDGE
OAK RIDGE, LA · FDIC certificate 21529 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $138.6M | |
| Deposits | $121.8M | |
| Loans and leases | $113.2M | |
| Total equity | $16.1M | |
| Loans / deposits | 92.02% (p83 of band) | 73.59% |
| Liquid assets / assets | 15.40% (p12 of band) | |
| Uninsured deposits / deposits | 48.18% (p96 of band) | 19.81% |
| Brokered deposits | 0.65% | |
| Wholesale funding | 0.65% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.59% (p48 of band) | 11.76% |
| Unrealized securities loss / equity | -0.38% (p85 of band) | -6.57% |
| AOCI / equity | -0.09% (p64 of band) | |
| ROA (annualized) | 1.07% (p44 of band) | 1.17% |
| Net interest margin | 4.25% (p66 of band) | 3.93% |
| Efficiency ratio | 71.73% (p64 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.07% (p83 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 55.39% (p82 of band) | |
| Auto loans | $40,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 24.0% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 4 | capital falling, deposits shrinking, assets shrinking |  |
| 2017-03 | 0 |  | NIM <2.5%, capital falling, deposits shrinking, assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | deposits shrinking, assets shrinking |  |
| 2017-12 | 0 |  | deposits shrinking, assets shrinking |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | deposits shrinking |  |
| 2019-06 | 0 |  | deposits shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | construction >100% equity |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | construction >100% equity |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | uninsured deposits leaving |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | uninsured deposits leaving |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 2 | expense ratio p90 |  |
| 2023-09 | 0 |  | capital falling, expense ratio p90 |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 0 |  | uninsured deposits leaving |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2024-08-23 [Merchants & Marine Bancorp, Inc. Announces Paige Oliver as New Brand President & Chief Executive Officer - Business Wire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNR3RQcUVZblF3dGtCbGtYLVBrcTlFcXhlSkI4X1BZak9JNS1VODM0U1l4LUtVeEFsRUhaMkRqOC1QV25SaTJiQWc1MUZsYU9YNWtZdUltZEliV0NIRGR0bk9uSERKZklkWkJZbVdJd3FKVVdIcm4yZE1Lc0VNd3NLQkJLS2FRU2JMYTBEQlNiMGZzVTM5bHNTVHlaeEpmTHVnY1g2NmdnWVhmVzVIcXItcUlZYkNVbnBtMFNkclJPMXJ5b1JKeGVjZThTaUV4Q1A3TERDZThnRDNZMDhhWWxvQ3FUMlVlRUliLVg4Yg?oc=5) · Business Wire
- 2025-01-16 [Virginia Sue Shepard Barr Obituary Jan 16, 2025 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE9pTjcxWV9tS0dVaVZhMEE3UmhFSzZhd1ZaQlQ3ODRnMnNyWjBJOE9qRjV0eEQ1dVZ2d1RvWElMOFZHTDRrd1pGMHphanZEVDdQcV8zRzljZWVlT29zZFZ5SUhoeXQzYUQwNmxHdA?oc=5) · Mulhearn Funeral Home
- 2019-08-28 [Monroe Chamber names Top 20 NELA young professionals - thenewsstar.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNcWtWX3JqUzh2VTlXZmU2N3p2eXlMSjl2VHZjYmFvZHczOUVmbVczemhabHdPc0ZKX25ZcXNwdjdEN0dHRWlEWVRveTBUVUVqU0pWQ2o3ZWp3bmlFU1ZDbFJmTjBSc1NDd29nV3UwR3gzWko5UjJ2MGgtdHE3cGtfMnNObFJfMGpwT1VBOE5SZ1BCa2ZXYVYxTFFmbnpyNHN1b19hNXN4MmZ3dkxQeUhUVW94VU0?oc=5) · thenewsstar.com
- 2021-06-04 [Acadiana newsmakers: State bankers group names Brent Vidrine with Bank of Sunset chair-elect - The Advocate](https://news.google.com/rss/articles/CBMinAJBVV95cUxNVlpVbW9hVDRoMFVYdEI5Nk9oVkhqYUhJcTNGU1c5QVl2akhKWWNXV3VMRjdZZUNKRUZPVHQ3dlp4bUlKZk5lQnhpazFoU1Z1ZlM3YTFZNUk1aG0xa3RZZjhiT1dDUVowWXdRTWVWRl9DZ0w5dEo1VlU3bG01XzB6ZWw2NnY1dFBTSDJ6R3hmUE96a29tenhfcnk3aWtjZFVzVnRVYndSYXJJbnh3M3lCdDJYNjVRbjkwcjdsMWxfZWdUbk1tV1VER3lnMUZaTGZCNFVGWm93SDJHSHdjeFVFb0ZSMWI0Sm1qcnVSOTdFMGxLRTRteFJrdWRIT0pVNWVHTnpwal9zcVVIQnVQaUUxZTlrdnpWdTE5eTNzcA?oc=5) · The Advocate
- 2025-09-13 [Eugene Hawkins Allen Obituary (2025) - Bastrop, LA - Golden Funeral Home of Bastrop, LLC - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNVnJBa2hnWVdCV2RGVVlxLU5lb1VWTzZYcmpDM2tFOHdyOXFEMXg3VXhhbWxnT1ZwUm5tbTk4blNHNkJxcVMyeUppNWZkV1k3WVR1dlFPdDNQczJwU2ZPaUhROHVtZzRaNnBhSVFScmZ4LTlRX3ZNcU9YUTVScHRjTg?oc=5) · legacy.com
- 2018-07-26 [KNOE anchor Chris Brown nominated for Top 20 Under 40 - KNOE](https://news.google.com/rss/articles/CBMipAFBVV95cUxPOXhCZThvVDI4YVRjdEd4d3Y4b1lGaXNOTjJjdUxQeGFOUHdjekRDUW9XNGhpaEpRTy1GN3A0c01ySGl2NksybHptdUtUSTBVRHgtcUdjWGY1clNTQ3NuOEY1Q3FrcWpZcU56dDVxcGxsd0VLYk5xanowNThzbE42Rk5WNXYwTlpmaVZSRi1FVk9aeUtPMGlEdG1Xc1ltdFpqeDY4dtIBuAFBVV95cUxQUUhzYWVTQmwxYlU4dlFCZDN6ZnU3ZTZ1MEJGMVlaRzNyQkJEWFZrOUQ0bUZVYXY0ZnY4d2pfejNjN0d1Um05NlJzV29NU21JWG9HNS03LWFGdmlIX2lBUnNKaklycm5lUnQ3RGNkUC0ybl9oTnJYQ1ZOWmUtbVVHblRUWGd0SkxzX0lkVVk5T2FkZG1kWGp2UkQ2Q2ZRSGZmb3VQYnk1ekZZZWp4RXdpSWVSWmhZZE9m?oc=5) · KNOE
- 2016-09-09 [Northeast La. Top 20 young professionals recognized - thenewsstar.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZEpDWXM5aHlzbW5lNENHRVd0WjlOQXk2NHZ6a0hEbTYyOUZwUVFvWEdhVTRFbzFEUW92angtUHhOZjNxUGhDdDlvYTdQYVNNMU1pNlpMd1hwR1IzVE1UOHNfNzVjY1lacF80bmN3OUZmQThXVWt6SW4xWDNVMGtQemJMQ1lNMzBfektPODM0enp6dzdDTjdRcVR6QmxLRzFOcTcybXdtWDlRcmwwdWZZ?oc=5) · thenewsstar.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21529 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "21529", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide