BlastPoint's Banking Scorecard
Bank of Oak Ridge
Community
Specialty: Commercial
NC
FDIC cert 35365
Oak Ridge, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
Bank of Oak Ridge faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 12% in Community
- - Capital Thin: Bottom 12% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$657.8M
-0.6% YoY
-3.1% QoQ
|
-$733.6M |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$509.7M
+0.4% YoY
-2.0% QoQ
|
-$465.8M |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$538.7M
-0.1% YoY
-1.5% QoQ
|
-$625.9M |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.32%
+29.3% YoY
+5.4% QoQ
|
+0.16% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.38%
+6.7% YoY
+0.5% QoQ
|
+0.71% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
59.93%
-7.7% YoY
+0.9% QoQ
|
-2.70% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
1.39%
+101.5% YoY
+25.3% QoQ
|
+0.76% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
94.61%
+0.5% YoY
-0.6% QoQ
|
+11.55% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
23.85%
+7.2% YoY
-1.1% QoQ
|
+2.81% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
1.07%
+103.5% YoY
+26.7% QoQ
|
+0.58% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.62%
+25.6% YoY
+29.8% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#62 of 513 · Bottom 12% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.61%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#54 of 432 · Bottom 12% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
83
83th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%
77
77th pctile
Loan-to-Deposit Ratio
Current: 94.61% · Tier avg: 83.06%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.85% · Tier avg: 21.05%
64
64th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.16%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
57
57th pctile
Efficiency Ratio
Current: 59.93% · Tier avg: 62.63%
32
32th pctile
Total Loans
Current: $509.7M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Total Assets
Current: $657.8M · Tier avg: $1.4B
19
19th pctile
Total Deposits
Current: $538.7M · Tier avg: $1.2B
18
18th pctile
Delinquency Rate
Current: 1.39% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.50%
Top Weaknesses
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.50%
18
18th pctile
Delinquency Rate
Current: 1.39% · Tier avg: 0.63%
19
19th pctile
Total Deposits
Current: $538.7M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $657.8M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Total Loans
Current: $509.7M · Tier avg: $975.5M
57
57th pctile
Efficiency Ratio
Current: 59.93% · Tier avg: 62.63%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
64
64th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.16%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.85% · Tier avg: 21.05%
77
77th pctile
Loan-to-Deposit Ratio
Current: 94.61% · Tier avg: 83.06%
83
83th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%