Bank of Oak Ridge


105 N Oak St
Oak Ridge, LA 71264
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Notable Rates APY Vs.Others
Savings N.A. 4.01% →
1-Year CD N.A. 4.50% →
2-Year CD N.A. 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Bank Information

Bank of Oak Ridge is an FDIC insured institution located in Oak Ridge, LA. It was founded in 1910 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 21529
Date Established 1910
Assets $ 76.19 million
Loans $ 54.85 million
Deposits $ 62.24 million
Capital $ 12.28 million

For a more detailed analysis of Bank of Oak Ridge's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 27, 2022

Your Current Location: Connecticut, CT 06828

There are currently no rates available for Bank Of Oak Ridge, but see these great savings and CD rates:

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Loan Rates - November 27, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bank of Oak Ridge

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.779% 7.625%
1.00 points
$3,750 fees
$1,770 Learn More
Embrace Home Loans (ICB)
NMLS ID: 2184
6.722% 6.625%
1.00 points
$2,500 fees
$1,601 Learn More
NMLS ID: 2890
License#: 13256
6.226% 6.125%
0.63 points
$2,685 fees
$1,520 Learn More
NMLS ID: 1907

Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Bank of Oak Ridge
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Financial Details

Bank of Oak Ridge Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Oak Ridge. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Oak Ridge U.S. Bank Average
0% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2022, Bank of Oak Ridge had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,279,000 in equity and $549,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Bank of Oak Ridge U.S. Bank Average
0.95% 9.98%

Bank of Oak Ridge has a Return on Equity of 0.95% versus the BestCashCow average of 9.98%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Oak Ridge U.S. Bank Average
16.12% 10.23%

Bank of Oak Ridge has a Capitalization of 16.12% versus the BestCashCow average of 10.23. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Oak Ridge Balance Sheet Analysis

As of June 30, 2022, Bank of Oak Ridge had assets of $76,185,000, loans of $54,845,000, and deposits of $62,240,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2022
Cash & Balances due from depository institutions $ 11.85 million
Interest-bearing balances $ 7.68 million
Total securities $ 3.95 million
Federal funds sold and reverse repurchase $ 3.30 million
Net loans and leases $ 54.85 million
Loan loss allowance $ 0.55 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 $ 1.86 million
     Total Assets $ 63.91 million
Total deposits $ 62.24 million
      Interest-bearing deposits $ 43.96 million
      Deposits held in domestic offices $ 62.24 million
      % insured (estimated) 72.65%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.50 million
Subordinated debt N.A.
All other liabilities $ 0.17 million
      Total Liabilities $ 63.91 million
      Shareholders’ Equity $ 12.28 million

Summary Income Statement

June 30, 2022
Total Interest Income $ 1.35 million
Total Interest Expense $ 0.06 million
Net interest income $ 1.29 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.03 million
Total non interest expense $ 1.23 million
Pre-tax Net Operating Income $ 0.06 million

Bank Loan Profile?

The top three loan types in Bank of Oak Ridge’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Louisiana, Bank of Oak Ridge has a significantly higher percent of Multifamily Mortgages, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.60
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 14.74
Construction and Development Loans 11.21
Commercial Real Estate 37.46
Commercial and Industrial Loans 23.53
Farm Loans 0.59

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