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BDI
BO

Bank of Oak Ridge

Oak Ridge, North CarolinaFDIC Cert #35365

STATEEstablished 20005 branches

Holding company: OAK RIDGE FINL SERVICES INCRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.78%
+86.0%y/y
Peer standing35th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + LNLSGR
Nonaccrual %
1.83%
+110.8%y/y
Peer standing11th percentile
Peer standing in ubpr:primary:5
FDICNAASSET + LNLSGR
Noncurrent %
1.83%
+110.8%y/y
Peer standing13th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.43%
+111.4%y/y
Peer standing12th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$9.37M
+105.5%y/y
Peer standing9th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.23%
+147.2%y/y
Peer standing9th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + LNLSGR
NCO
$306K
+157.1%y/y
Peer standing7th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.25%
+18.6%y/y
Percentile by value52nd percentileby value
Peer standing in ubpr:primary:5
FDICLNATRES + LNLSGR
30–89
$4M
+81.2%y/y
Peer standing23rd percentile
Peer standing in ubpr:primary:5
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET
Nonaccrual
$9.37M
+105.5%y/y
Peer standing7th percentile
Peer standing in ubpr:primary:5
FDICNAASSET