Total Assets
$658M
Total balance-sheet footings
FDIC Cert #35365 · Oak Ridge, North Carolina · Est. 2000
Bank of Oak Ridge - FDIC Bank Health Profile
A community-scale look at Bank of Oak Ridge's own numbers, pulled straight from its quarterly FDIC Call Report.
- $658M
- Total assets
- B
- Health grade · Good
- 1.32%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Oak Ridge earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.86% Tier 1, profitable at 1.32% ROA, efficient (60% cost ratio).
- #1,451
- largest of 4,313 FDIC banks by assets
- 66th
- percentile by asset size, nationally
- 11.86%
- Tier 1 ratio - above the 10% well-capitalized line
- 65th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of Oak Ridge's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Oak Ridge's composite health score
Tier 1 Capital Ratio (11.86%) 28/40
Return on Assets (ROA) (1.32%) 20/25
Texas Ratio (8.26%) 16/20
Efficiency Ratio (59.93%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$539M
Customer-funded liabilities
Net Loans
$510M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Oak Ridge ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Oak Ridge's score of 76/100 falls in the highlighted band.
Bank of Oak Ridge's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Oak Ridge's $658M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.86% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.86%
Texas Ratio
8.26%
Equity Capital
$80M
Profitability metrics
Return on Assets (ROA)
65th percentile nationally
1.32%
Return on Equity (ROE)
11.81%
Efficiency Ratio
59.93%
What the numbers say about Bank of Oak Ridge
Bank of Oak Ridge is an FDIC-insured institution (Certificate #35365) headquartered in Oak Ridge, North Carolina, established in 2000. It holds $658M in total assets - 1,451st of 4,313 FDIC-insured banks, $539M in customer deposits, and $510M in net loans. Its capital position: a Tier 1 ratio of 11.86%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 8.26% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Oak Ridge sits 17th of 38 banks headquartered in North Carolina by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$40M
Interest Income
$4M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Oak Ridge reports a Texas Ratio of 8.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Oak Ridge (FDIC Cert #35365) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank of America, National AssociationCharlotte | $2.64T | A | 1.15% |
| Truist BankCharlotte | $539.5B | A | 1.04% |
| First-Citizens Bank & Trust CompanyRaleigh | $229.3B | B | 1.00% |
| Live Oak Banking CompanyWilmington | $15.1B | C | 0.82% |
| First BankSouthern Pines | $12.7B | A | 0.94% |
| Southern Bank and Trust CompanyMount Olive | $5.2B | A | 1.19% |
| HomeTrust BankAsheville | $4.5B | A | 1.43% |
| The Fidelity BankFuquay Varina | $4.4B | A | 1.74% |
Frequently asked questions
What is Bank of Oak Ridge's health grade?▼
Bank of Oak Ridge receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of Oak Ridge?▼
Bank of Oak Ridge holds $658M in total assets and $539M in deposits, ranking 1,451st of 4,313 FDIC-insured banks by asset size. It is headquartered in Oak Ridge, North Carolina.
Is my money safe at Bank of Oak Ridge?▼
Yes, deposits at Bank of Oak Ridge (Certificate #35365) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Oak Ridge's Tier 1 Capital Ratio?▼
Bank of Oak Ridge has a Tier 1 Capital Ratio of 11.86%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Oak Ridge?▼
Bank of Oak Ridge has a Texas Ratio of 8.26%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Oak Ridge?▼
Bank of Oak Ridge has an Efficiency Ratio of 59.93%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Oak Ridge's profile as a depositor or analyst.
- Bank of Oak Ridge's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Oak Ridge against other North Carolina banks before moving funds. North Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.