# BANK OF OAK RIDGE
OAK RIDGE, NC · FDIC certificate 35365 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $658.1M | |
| Deposits | $509.6M | |
| Loans and leases | $522.1M | |
| Total equity | $82.4M | |
| Loans / deposits | 101.13% (p90 of band) | 82.04% |
| Liquid assets / assets | 17.06% (p22 of band) | |
| Uninsured deposits / deposits | 13.12% (p9 of band) | 25.97% |
| Brokered deposits | 2.70% | |
| Wholesale funding | 11.28% (p80 of band) | |
| FHLB advances / assets | 8.59% | |
| Tier 1 leverage | 12.53% (p74 of band) | 10.81% |
| Unrealized securities loss / equity | -1.40% (p83 of band) | -8.10% |
| AOCI / equity | -0.13% (p64 of band) | |
| ROA (annualized) | 1.23% (p47 of band) | 1.28% |
| Net interest margin | 4.46% (p80 of band) | 3.91% |
| Efficiency ratio | 62.14% (p53 of band) | |
| Noncurrent loans | 1.79% (p87 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p83 of band) | |
| Reserve coverage of noncurrent | 71.35% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 41.27% (p48 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.6% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | wholesale funding >15% |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | capital falling | brokered >10% |
| 2012-06 | 5 | losing money, charge-offs p90 |  |
| 2012-09 | 4 |  | capital falling |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 3 | brokered >10% | losing money, charge-offs p90, uninsured deposits leaving |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | construction >100% equity |
| 2013-12 | 3 | charge-offs p90, uninsured deposits leaving | brokered >10% |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | brokered >10% |  |
| 2014-12 | 3 | construction >100% equity | uninsured deposits leaving, brokered >10% |
| 2015-03 | 3 | expense ratio p90 | charge-offs p90 |
| 2015-06 | 1 |  | construction >100% equity, expense ratio p90 |
| 2015-09 | 1 | brokered >10% | reserve under noncurrent |
| 2015-12 | 1 | construction >100% equity | brokered >10% |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | construction >100% equity |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2019-09 | 1 | reserve under noncurrent | charge-offs p90, uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 2 | uninsured deposits leaving |  |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 1 | uninsured deposits leaving | deposits shrinking |
| 2023-12 | 1 | capital falling | uninsured deposits leaving |
| 2024-03 | 2 | charge-offs p90, uninsured deposits leaving | capital falling |
| 2024-06 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2026-06 | 4 | loans exceed deposits, deposits shrinking | charge-offs p90 |

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

- 2026-05-04 [Oak Ridge Financial Services, Inc. Announces First Quarter 2026 Results and 14% Increase in Quarterly Cash Dividend - GlobeNewswire](https://news.google.com/rss/articles/CBMikgJBVV95cUxOUWw1TWpBaVlTTWZrQVFOdnVkNi1yRlhOeElUUlNMRmRhSXR6MjZpSmp4T1g3Vy05Q3BmZ25BYkFUQURGTFBzSGstckZTRkEzQVVyQmFVbUcxaWd0TTBSRjNES2JhOGxmSkNJX3RQZE5WdkJkbURjNlFtbXN6SGJyUmFvSloxMlI5N1haeDA0QTRVZ0JnbHhXQWJGeTAxb0pQMDBsRGdLNEJjbFBnVDgxbGVKTjNLSC1DS3MtVGNiRWZPT3ZKWXZKdkwtRXhmcTZKaC1QSk4ydklFaGpBM3NnaDY0QTIzWVpENVZwWFJ1NTBPZURsc2V3QTZBOU5meGVCbVdDX1hFNmZPY005c2szSlJB?oc=5) · GlobeNewswire
- 2026-07-07 [Will the new NC law keep you from getting money from your bank? Local bank leaders say fraud is the problem, not legitimate transactions. - wfmynews2.com](https://news.google.com/rss/articles/CBMi1gJBVV95cUxOZy1BTG4zVmlfZm9vRTRkS2kwYU9naWZCOXFLMWlKSlZzdENYWC12RTdFWkFteHhmQjZobDhCWk16MUdhSW5oVWJDdXU0MXhqS0ZJUUdraVNGSjU4SjZYN2RkNjdoa1JaV2szRnF6RllqNWhaRmFiWU1vR0lqQzB0cnNiN0Z0UjJEOUQtQ1RWdDZtckNFdlJYWkRWUXozODhVQi1lVUVSQ1pRMFVoQ216ZWxPX3duejVwM21CZUxYTnVVbHFfNHZHWVlnSzVSbVc4RjhtaTJBTk5LcDBsNzlRR3hhWTNKUW9qcnEzeVFMVjRrbllHVUhwa3dYSGRTSXBERDNGMDMyWmdhN3VoU2E3N3FOdkJRNG9DM1VUWHRwbnZZQmFQbV9uWERPbVhPS0JhemlLRDd0MnNmN3ZzR240UEsxdEZuQjdaLUN4TWVGQkpOTjNST2c?oc=5) · wfmynews2.com
- 2026-07-24 [Bank of Oak Ridge Appoints Former Cherry Bekaert Partner Paul Fedorkowicz to Board of Directors - citybiz](https://news.google.com/rss/articles/CBMizwFBVV95cUxPc3QxV3lwWUw2SmJDQjQ1ZEJGeGRKY3J1ZlNJZmlDN1Z1UVdTU25PdWlGU2ZZT0tySDA5a3dCczVNWXpROXlJbnY3c1JUTC1BODhDMzkyNDR4ZEJLTEtiTkoyS01fbk1MdDRNeHlIN3lNYTlkQ0dmaEFhNTQwdmpEclBucHRmMkJZcHZFc0RyN29zRnlDQVAxVFNjUWpKT3dwTTU2SVZpOEgxZTM1MUQ4N1lQY0ZMYWt1ZUlPX050M3BlUGtiUU9UYm9vU2ZRMWs?oc=5) · citybiz
- 2026-07-31 [Oak Ridge Financial Services, Inc. Announces Second Quarter - GlobeNewswire](https://news.google.com/rss/articles/CBMioAJBVV95cUxPV1diNDJ4RWJfT3BhbHd0MTNTM3l0S3RJWkViY0M4OTFVOGVhWlA0ZlllR3ZGa21wZFR1dUZ2SlpFY00yYVVlR0RpekZVMVB2WmFxamhkbnhCOFBRRF90RnpmYVBFVDNiR2JzazdXUVFBbHNBVmZKV1dxUU92UlpFMjEyeGFQSnEtaV9sVzZXTjhGODZoYWFRNkRFbm1qRDJfZ25MaEVhbGRZeG5sNEROOVF0RmlGdk9NOE9rVW9YTjJJUXFXNnUzY1dDaHE4R3hiaW95TWU4QkhJaFViVlJzZGlqeGRDSXR1SVVJQU9aY3QtOE14TkpBUE5ac0lzTTJJWWFVYko4eFBSRnpTLU9RN2VGN1BwRWktSlRJQVdCZ2I?oc=5) · GlobeNewswire
- 2026-03-31 [Oak Ridge Financial Services, Inc. Announces Kevin Reid to Executive Vice President - GlobeNewswire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNYmcxejRMeFgxUVpoZlZacGR4djQ3YlYzQkhBQVlfdUgxWEdKVG1pYl9QV3AxeGs5TE5PejQzTGEyYU5uNG9ZdWdEUWVPZm80N25VanBvOVdhSG5OeHZ1RVVkVTdwMDVndDBnR2F5QXRkMklwMFd2ZzJLNmtLcHlENXpBSkV2dkVOc0t1R1FyNG5Qa2l1czVMUE1XSm84LWl5QXN4NVNja2V2Mld0dFVheXJrU2tmQ2lrbklSdHZReGRQUktGME5KQTFka0w0c2d3YjdIbkJuSTBWZHJuSWhMOE9OTUhDeXF5S0wzaWdn?oc=5) · GlobeNewswire
- 2021-07-10 [Cyberattack at Bank of Oak Ridge, customer data exposed - wfmynews2.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxOSC10RGxwMUk3dFdCdVJDTG85ZU10dGF2dkJCakstSnhkQ1dQb19RS1MzZjNWLU8yQ09DVXE3Y0lfaUdnY3pGOU5GNktvOFJoSUNXM2NOMERHQ0RZSFBVeHQ5VllaVkdsV3BhSmdyTF9zZWRFbDVaZ2toek85N0t4a0FucEJjNEVjN0RxaFMxbzdmOEVsWHE1R3RNemItSDBHTlZzWlYwdkttMUtJaVplTXVTTW4?oc=5) · wfmynews2.com
- 2021-02-22 [Bank of Oak Ridge (NC) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihAFBVV95cUxNYkhpRXRZMDBHWFU2aXZqWVR0VFlhVnF0ZVNqR19WaWFCYkNWSVpNNVMtNEhWV3M2NlRjOTJ2R2lDZjJUYTBIWlFvNkp2bGRjNVdmd2NidjhzTF9TRHBGWTQ1d1JjLVBkNmNaTEJHWXM3bEp6ckRaQ2FvMmhGdUdsSGI0QVI?oc=5) · SmartAsset
- 2018-08-02 [Photos: Man wanted in armed bank robbery - WXII](https://news.google.com/rss/articles/CBMipAFBVV95cUxQYjNra19ERXdJdjk0RlVPTC1IYW03VnVyVXhMeFJwbFFhZldSNkdwTHdwRTlicVBqMDdReF9CaWdROUQ5dkMzb0JQXzBQdk1xUTBJU3NlajJfTGtJZGtYMERGbUdIWE9YZWpMVUZhRHpxQ3htWm5EQmpxbjVUNENOdV81Mzd4MkZhZE5pZ0lSUHhnWV9MRlhtR3ZvV3hXRnBjZU90RQ?oc=5) · WXII

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35365 (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/37.json (key "35365", 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