Major Rating Factors:
A current level of 14.3 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Asset Mix:
Comm re (43%), securities (14%), comm loans (12%), home mtgs (10%), cash (3%), home eq lns (2%), consumer loans (1%), other (15%)
States with Branches:
NC
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Oak Ridge Financial Services, Inc.
Investment Rating
Address
2211 Oak Ridge Road
Oak Ridge, NC 27310
Oak Ridge, NC 27310
Phone Number
(336) 644-9944
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.