| Metric | Bank of Oak Ridge | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +4.9% | -7.4 pts |
| Deposit growth (YoY) | -7.6% | +4.3% | -11.9 pts |
| Loan growth (YoY) | -2.7% | +5.3% | -8.1 pts |
| ROA | 1.23% | 1.28% | -0.1 pts |
| ROE | 10.0% | 12.4% | -2.4 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $658.1M | $509.6M | $515.4M | $82.4M | $4.0M | 1.23% | 4.46% | 1.42% |
| Q1 2026 | $655.4M | $545.4M | $506.9M | $80.2M | $1.7M | 1.01% | 4.15% | 1.43% |
| Q4 2025 | $657.8M | $538.7M | $509.7M | $79.5M | $8.9M | 1.32% | 4.38% | 1.07% |
| Q3 2025 | $679.1M | $546.9M | $520.3M | $76.8M | $6.3M | 1.26% | 4.35% | 0.85% |
| Q2 2025 | $674.7M | $551.3M | $529.8M | $74.4M | $4.2M | 1.26% | 4.31% | 0.73% |
| Q1 2025 | $674.4M | $550.3M | $521.2M | $72.9M | $1.8M | 1.07% | 4.17% | 0.68% |
| Q4 2024 | $661.5M | $539.0M | $507.5M | $71.5M | $6.6M | 1.02% | 4.10% | 0.53% |
| Q3 2024 | $651.3M | $518.1M | $500.2M | $71.7M | $4.9M | 1.02% | 4.07% | 0.45% |
Loan mix (Q2 2026): real estate $445.0M · commercial $73.3M · consumer $3.3M · securities $98.3M
| Ratio | Bank of Oak Ridge | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.28% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 12.4% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 61.2% | 53th |
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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