Bank of Oak Ridge is an FDIC insured institution headquartered at
2211 Oak Ridge Rd, Oak Ridge, NC 27310.
It was founded in
2000 and has approximately $1 billion in assets. Customers can open an account at one of its 4 branches.
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 35365
Date Established
2000
Assets
$ 657.82 million
Loans
$ 509.65 million
Deposits
$ 538.69 million
Capital
$ 79.54 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 19.31 million
Interest-bearing balances
$ 10.47 million
Total securities
$ 96.44 million
Federal funds sold and reverse repurchase
$ 4.06 million
Net loans and leases
$ 509.65 million
Loan loss allowance
$ 6.03 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
N.A.
All other assets
$ 14.27 million
Total Assets
$ 578.28 million
LIABILITIES
Total deposits
$ 538.69 million
Interest-bearing deposits
$ 410.19 million
Deposits held in domestic offices
$ 538.69 million
% insured (estimated)"
81.91%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
N.A.
Subordinated debt
N.A.
All other liabilities
$ 7.58 millionn
Total Liabilities
$ 578.28 million
Shareholders’ Equity
$ 79.54 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 40.11 million
Total Interest Expense
$ 12.48 million
Net interest income
$ 27.63 million
Provision for loan and lease losses
$ 1.29 million
Total non interest income
$ 4.05 million
Total non interest expense
$ 18.99 million
Pre-tax Net Operating Income
$ 4.62 million
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