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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

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$565M$500M
Q3 2021$559M$492M
Q4 2021$583M$514M
Q1 2022$614M$547M
Q2 2022$608M$540M
Q3 2022$564M$487M
Q4 2022$585M$486M
Q1 2023$586M$491M
Q2 2023$609M$482M
Q3 2023$610M$485M
Q4 2023$617M$501M
Q1 2024$630M$505M
Q2 2024$647M$516M
Q3 2024$651M$518M
Q4 2024$661M$539M
Q1 2025$674M$550M
Q2 2025$675M$551M
Q3 2025$679M$547M
Q4 2025$658M$539M
Q1 2026$655M$545M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$655M
−2.8%y/y
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$545M
−0.9%y/y
Percentile by value69th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Gross loans
$513M
−2.5%y/y
Percentile by value81st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$507M
−2.7%y/y
Percentile by value81st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Securities
$94.3M
−4.7%y/y
Percentile by value52nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICSC
Cash
$20.6M
−8.1%y/y
Percentile by value32nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICCHBAL
Liabilities
$575M
−4.4%y/y
Percentile by value70th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLIAB
Equity
$80.2M
+10.0%y/y
Peer standing82nd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$7.22M
−1.5%y/y
Peer standing73rd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NONII
NII
$6.44M
−2.0%y/y
Peer standing76th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM
Noninterest income
$785K
+3.6%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII
Provision
$700K
+130.3%y/y
Percentile by value96th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICELNATR
Pretax income
$1.85M
−20.1%y/y
Peer standing48th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC
Net income
$1.66M
−7.3%y/y
Peer standing51st percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC