Bank of Oak Ridge: how it compares with its peers
Against 11 NC banks with half to twice its assets, Bank of Oak Ridge's strongest measure in Q2 2026 is net interest margin (4.46% vs. a 3.57% peer median). Its weakest relative measure is efficiency ratio (62.14% vs. 66.41%).
| Measure | Bank of Oak Ridge | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.23% | 1.14% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.46% | 3.57% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.14% | 66.41% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $8.1M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.13% | 74.54% | Context |
What it means for lending operations
Its efficiency ratio of 62.14% is better than the 66.41% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- BlueHarbor Bank Mooresville, NC · $628M
- Lumbee Guaranty Bank Pembroke, NC · $583M
- Triad Business Bank Greensboro, NC · $536M
- LifeStore Bank West Jefferson, NC · $491M
- First Federal Savings Bank of Lincolnton Lincolnton, NC · $486M
- Mechanics & Farmers Bank Durham, NC · $476M
Questions about Bank of Oak Ridge
How big is Bank of Oak Ridge?
Bank of Oak Ridge, established in 2000, is headquartered in Oak Ridge, NC. It reported $658M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Bank of Oak Ridge's return on assets?
1.23% annualized in Q2 2026, against a 1.14% median for 11 NC banks with half to twice its assets, ahead of 64% of them.
What is Bank of Oak Ridge's efficiency ratio?
62.14% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 66.41%, and lower is better.
Is Bank of Oak Ridge growing its loans?
Net loans shrank 2.7% over the year to Q2 2026, while deposits shrank 7.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Carolina bank ranked.