BlastPoint's Banking Scorecard
Bank of Oak Ridge
Micro
Specialty: Commercial
LA
FDIC cert 21529
Designations: ✓ Community bank
Oak Ridge, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Bank of Oak Ridge shows strong momentum with 2 strengths and 22.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.7M
+22.4% YoY
+7.3% QoQ
|
-$82.8M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$108.3M
+23.1% YoY
+10.1% QoQ
|
-$30.9M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$114.3M
+23.7% YoY
+4.4% QoQ
|
-$69.4M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
0.67%
+87.8% YoY
+33.8% QoQ
|
-0.41% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
4.18%
+14.9% YoY
+1.5% QoQ
|
+0.33% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
78.59%
-9.7% YoY
-5.2% QoQ
|
+10.87% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
94.79%
-0.5% YoY
+5.5% QoQ
|
+20.27% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.51%
+1.0% YoY
+18.4% QoQ
|
-6.89% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.09%
-19.4% YoY
-10.7% QoQ
|
+5.24% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.14%
-16.0% YoY
-0.8% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.09% · Tier avg: 8.85%
67
67th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.85%
46
46th pctile
Total Loans
Current: $108.3M · Tier avg: $139.2M
34
34th pctile
Total Deposits
Current: $114.3M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $134.7M · Tier avg: $217.5M
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.51% · Tier avg: 22.39%
22
22th pctile
Efficiency Ratio
Current: 78.59% · Tier avg: 67.73%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.79% · Tier avg: 74.53%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.79% · Tier avg: 74.53%
22
22th pctile
Efficiency Ratio
Current: 78.59% · Tier avg: 67.73%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.51% · Tier avg: 22.39%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
33
33th pctile
Total Assets
Current: $134.7M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $114.3M · Tier avg: $183.7M
46
46th pctile
Total Loans
Current: $108.3M · Tier avg: $139.2M
67
67th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.85%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.09% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%