| Metric | Bank of Oak Ridge | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.7% | +4.4% | +17.4 pts |
| Deposit growth (YoY) | +24.0% | +4.0% | +20.1 pts |
| Loan growth (YoY) | +19.7% | +5.6% | +14.2 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 9.3% | 11.9% | -2.6 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.6M | $121.8M | $112.1M | $16.1M | $730K | 1.07% | 4.25% | 0.00% |
| Q1 2026 | $135.3M | $119.0M | $104.0M | $15.7M | $350K | 1.04% | 4.07% | 0.00% |
| Q4 2025 | $134.7M | $114.3M | $108.3M | $15.4M | $807K | 0.67% | 4.18% | 0.00% |
| Q3 2025 | $125.6M | $109.4M | $98.4M | $15.4M | $439K | 0.50% | 4.12% | 0.00% |
| Q2 2025 | $113.8M | $98.2M | $93.6M | $15.1M | $143K | 0.25% | 3.94% | 0.00% |
| Q1 2025 | $118.0M | $102.8M | $90.2M | $14.8M | $10K | 0.04% | 3.86% | 0.00% |
| Q4 2024 | $110.1M | $92.4M | $88.0M | $14.6M | $373K | 0.36% | 3.64% | 0.00% |
| Q3 2024 | $104.3M | $89.1M | $84.0M | $14.6M | $216K | 0.28% | 3.52% | 0.00% |
Loan mix (Q2 2026): real estate $86.8M · commercial $22.6M · consumer $2.9M · securities $2.0M
| Ratio | Bank of Oak Ridge | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 62.9% | 72th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Oak Ridge | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Oak Ridge | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Oak Ridge | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Oak Ridge | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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