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BDI
BO

Bank of Oak Ridge

Oak Ridge, LouisianaFDIC Cert #21529

STATEEstablished 19103 branches

Holding company: OAK RIDGE BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$15.6M
Investor CRE$22.2M
Multifamily$10.9M
Construction$7.12M
1–4 family$22.3M
C&I$21.9M
Agriculture$1.86M
Other$3.04M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$105M
+15.4%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSGR
Net loans
$104M
+15.3%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET
Loans YoY
+15.34%
−17.8%y/y
Percentile by value86th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET
L/D
87.4%
−0.4%y/y
Percentile by value78th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET + DEP
Loans/assets
76.9%
+0.6%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET + ASSET
RE loans %
75.76%
+3.7%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
239%
+34.8%y/y
Percentile by value90th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
42%
+113.8%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
1,712points
−5.9%y/y
Peer standing85th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
14.88%
−1.3%y/y
Percentile by value74th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRENROW + LNLSGR
Investor CRE %
21.17%
+26.8%y/y
Percentile by value85th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRENROT + LNLSGR
C&I %
20.85%
−11.5%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNCI + LNLSGR