The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 5 points (68 → 63), mostly because the loan quality component weakened by 29 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in North Carolina

Yes. Bank of Oak Ridge is an FDIC-insured institution (FDIC certificate #35365). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.1% of deposits ($66.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Bank of Oak Ridge lists 5 offices in 4 cities. Most locations:

• Greensboro, NC (2)
• High Point, NC (1)
• Oak Ridge, NC (1)
• Summerfield, NC (1)

All branch addresses and map

In 2025, Bank of Oak Ridge reported 42 home-loan applications under HMDA (LEI 549300QJN5U13Y9HAW42): 31 originated ($13,305,000 total), 5 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Bank of Oak Ridge

Type

State-chartered bank (Fed member)

FDIC certificate #

35365

RSSD ID

2903123

Primary regulator

FED

Holding company

Oak Ridge Finl Services Inc

Established

April 10, 2000

Headquarters

2211 Oak Ridge Rd, Oak Ridge, NC 27310

Website

www.bankofoakridge.com

Employees

76