Bank of Oak Ridge

Oak Ridge, North CarolinaFDIC Cert #35365

STATEEstablished 20005 branches

Holding company: OAK RIDGE FINL SERVICES INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$149M
Investor CRE	$134M
Multifamily	$28.5M
Construction	$35.2M
1–4 family	$90.2M
C&I	$72.1M
Agriculture	$679K
Other	$3.77M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$513M

−2.5%y/y

Percentile by value81st percentileby value

FDICLNLSGR

Net loans

$507M

−2.7%y/y

Percentile by value81st percentileby value

FDICLNLSNET

Loans YoY

−2.74%

−126.6%y/y

Percentile by value11th percentileby value

FDICLNLSNET

L/D

93.0%

−1.9%y/y

Percentile by value82nd percentileby value

FDICLNLSNET + DEP

Loans/assets

77.3%

+0.1%y/y

Percentile by value79th percentileby value

FDICLNLSNET + ASSET

RE loans %

88.34%

+1.7%y/y

Percentile by value65th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,116points

+1.6%y/y

Peer standing48th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

29.00%

−0.1%y/y

Percentile by value95th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

26.10%

+2.4%y/y

Percentile by value83rd percentileby value

FDICLNRENROT + LNLSGR

C&I %

14.05%

−8.8%y/y

Percentile by value73rd percentileby value

FDICLNCI + LNLSGR