Bank of Oak Ridge
Oak Ridge, NC
IDRSSD: 2903123
Total Assets
$657.82M
Latest filing
Total Deposits
$538.69M
Latest filing
Net Interest Margin
4.39%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
053112327OAK RIDGE, NC
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Oak Ridge
2211 Oak Ridge Rd
Oak Ridge, NC 27310
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/10/2000FDIC Certificate 78827
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Oak Ridge (Main) | 2211 Oak Ridge Rd | Oak Ridge, NC |
| SUMMERFIELD BRANCH | 4423 Us Highway 220 N | Summerfield, NC |
| NEW GARDEN BRANCH | 1597 New Garden Rd | Greensboro, NC |
| LAKE JEANETTE BRANCH | 400 Pisgah Church Rd | Greensboro, NC |
| EASTCHESTER DRIVE - HIGH POINT OFFICE BRANCH | 2513 Eastchester Dr | High Point, NC |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/10/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 27310 |
| State and County Number | 37081 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Greensboro-High Point, NC |
Operational Info
| Number of Employees | 76 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/10/2000 |
| Primary Insurance Agency | DIF |
| Website | www.bankofoakridge.com |
| Data Updated | 01/30/2026 |
| CERT | 35365 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $657.82M |
| Total Deposits | $538.69M |
| Total Liabilities | $578.28M |
| Total Equity Capital | $79.54M |
| Net Income | $2.53M |
| Net Loans and Leases | $509.65M |
| Assets Per Employee ($Millions) | $8.77M |
| Bank Premises and Fixed Assets | $11.02M |
| Cash and Balances due from Depository Institutions | $19.31M |
| Deposits Held in Domestic Offices | $538.69M |
Key Performance Ratios
| Return on Assets (ROA) | 1.51% |
| Return on Equity (ROE) | 12.94% |
| Net Interest Margin | 4.39% |
| Efficiency Ratio | 61.62% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.092% |
| Earning Assets to total Assets | 94.35% |
Income and Expense
| Total Interest Income | $9.91M |
| Total Noninterest Income | $829.00k |
| Total Interest Expense | $3.00M |
| Total Noninterest Expense | $4.77M |
| Net Interest Income | $6.92M |
| Pre-tax Net Operating Income | $3.27M |
| Provision for Credit Losses | $-297,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $31.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.06M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.59M |
| Total Liabilities and Capital | $657.82M |
Securities
| Securities | $96.44M |
| Available-for-sale debt securities | $81.41M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $15.06M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Oak Ridge?
$657.82M as of the latest filing.
How much are Bank of Oak Ridge's total deposits?
$538.69M in total deposits.
Where is Bank of Oak Ridge located?
Oak Ridge, NC.
What is the Net Interest Margin?
4.39%.
How many domestic offices does it operate?
5.
When was it established?
04/10/2000.
What is the Return on Assets (ROA)?
1.51%.
How much are total loans and leases?
$509.65M (latest filing).
What is the total interest income (latest filing)?
$9.91M.