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Bank of Oak Ridge

Full company profile

uuid0000the

Namestring
Bank of Oak Ridge
Legal namestring
Bank of Oak Ridge
Websiteurl
bankofoakridge.com
Company typeenum
Public
Founded yearint
2000
Descriptiontext

Bank of Oak Ridge is an employee-owned community bank headquartered in Oak Ridge, North Carolina, established in 2000 and operating as a wholly owned subsidiary of Oak Ridge Financial Services, Inc. (OTCPink: BKOR). It serves individuals and small-to-medium businesses across the North Carolina Triad through five physical branches (Oak Ridge, two in Greensboro, High Point, and Summerfield) supported by Interactive Teller Machines, a Fiserv-powered mobile and online banking platform, and 24/7 telephone banking. Its deposit, lending, and payments product set spans personal and business checking and savings (including Health Savings Accounts — in which it was first-to-market in North Carolina at founding), Visa debit and credit cards with a uChoose Rewards program, mortgage/HELOC/auto lending, SBA Preferred Lender loans, business term loans and lines of credit, treasury management (ACH, wire, Remote Deposit Capture, Positive Pay), FedNow instant payments, Zelle, and digital wallet support (Apple/Google/Samsung Pay). A wholly owned subsidiary, Oak Ridge Insurance Services, distributes personal and commercial lines through 19 carrier partnerships, contributing a non-deposit fee stream alongside core net interest income.

The bank's revenue model relies primarily on net interest income (interest earned on commercial, consumer, mortgage, and SBA loans net of deposit interest expense) supplemented by recurring deposit-account service fees (e.g., Business Money Market $10/month, Business Partner Checking $20/month, Business Interest Checking $40/month), card interchange, SBA loan guarantee fees, cash-management transaction fees, and insurance commissions. Technology architecture is largely outsourced — Fiserv DNA as the core banking system since 2019, with VeriSign SSL, Deluxe check printing, and third-party credit-bureau integrations for fraud and identity services — meaning the bank competes on local service, regulatory relationships (SBA Preferred Lender, FDIC-insured, CRA-focused), and employee-ownership culture rather than proprietary technology. Customer testimonials and 500+ five-star reviews evidence deep SMB and household relationships averaging a decade or longer, anchored by ClickSwitch onboarding friction reduction and personalized local decision-making on loans.

Distribution combines physical branch access, ITM-extended hours, mobile and online self-service, Inside Sales via a Client Connect phone team, and the Oak Ridge Insurance Services channel. Marketing is community-led: civic sponsorships (Junior Achievement, Big Brothers Big Sisters, United Way, Greensboro Symphony), FDIC Money Smart financial-education content, customer testimonials, and a "Spectacularly Local" registered-trademark positioning rather than paid digital acquisition. Recent material shifts include a 2025–2026 leadership refresh (Tom Wayne continuity with Kevin Reid promoted to EVP in March 2026, Steve Neal's board retirement), a Q1 2026 dividend hike of 14%, and rising credit drag with nonperforming assets at 1.42% of total assets (versus 0.67% a year earlier), concentrated in 16 nonperforming SBA loans.

Short descriptiontext

Bank of Oak Ridge is an employee-owned North Carolina community bank (founded 2000) serving Triad consumers, SMBs, and nonprofits with deposits, SBA and consumer lending, treasury services, and an affiliated insurance agency, via five branches and Fiserv-powered digital channels.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
51–100
akta.pro rankint
HeadquartersGreensboro, United States
HQ citystring
Greensboro
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices6 records

Each record includes

City, Country, Type, Description, Source

Keyword5 values
community banking services, personal banking products, small business lending, SBA preferred loans, treasury management services
Industry1 code
1SME Lending Platforms & Embedded SME Credit
CodeFSAKAGAJPrimaryYes
NAICS code2 codes
  • Commercial Banking52211
  • Depository Credit Intermediation5221
SIC code1 code
  • Personal Credit Institutions6141
Product category
Community Banking
Social media profiles2 records
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model6 records
1Net Interest Income
TypeTransaction Fee
Description

Interest income from loans (commercial, consumer, mortgage, SBA) minus interest paid on deposits. Core revenue driver for the bank.

globenewswire.com
2Deposit Account Fees
TypeSubscription Recurring
Description

Monthly service fees on checking and money market accounts (Business Essential: varies, Business Partner: $20/month, Business Analysis: $20/month, Business Interest: $40/month, Non-Profit: no monthly fee)

bankofoakridge.com
3Card Interchange Revenue
TypeTransaction Fee
Description

Transaction fees from debit and credit card usage, including uChoose Rewards program

bankofoakridge.com
4Insurance Commissions
TypeAffiliate Referral
Description

Commission revenue from Oak Ridge Insurance Services subsidiary offering auto, home, business, life, umbrella and other insurance products through multiple carrier partnerships

insurance.bankofoakridge.com
5SBA Loan Guarantees
TypeTransaction Fee
Description

Fees and revenue from SBA Preferred Lender program for small business loans with government guarantees

bankofoakridge.com
6Cash Management Services
TypeTransaction Fee
Description

ACH origination, wire transfers, remote deposit capture, and other treasury management fees

bankofoakridge.com
Marketing channels4 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels7 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components6 values
Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain
Pricing details9 tiers
1Identity Theft Protection - $6/month (free for Empower Checking clients)
ModelSubscriptionBilling cadenceMonthly
Notes

Empower Checking clients receive free identity theft protection. Others pay $6/month. Includes professional identity recovery services, lost document rescue, credential vault, and up to $25,000 expense reimbursement insurance.

bankofoakridge.com
2Business Money Market - $10/month service fee, $50 opening deposit, $1,000 minimum
ModelSubscriptionBilling cadenceMonthly
Notes

Opening deposit: $50. Monthly service fee: $10. Minimum daily balance: $1,000 to avoid fee. Interest compounded daily, credited monthly. Limited to 6 pre-authorized withdrawals per month.

bankofoakridge.com
3Business Essential Checking - Up to 250 items/month
ModelSubscriptionBilling cadenceMonthly
Notes

Up to 250 items per month included. $0.35 per item over 250. Includes debit card, online banking, mobile app, remote deposit capture, cash management, worldwide ATM.

bankofoakridge.com
4Business Partner Checking - $20/month (waived with $5,000 balance), up to 500 items
ModelSubscriptionBilling cadenceMonthly
Notes

Monthly service fee of $20 (waived with daily collected balance of $5,000). Up to 500 items per month ($0.35 per item over 500).

bankofoakridge.com
5Business Analysis Checking - $20/month analysis fee
ModelSubscriptionBilling cadenceMonthly
Notes

Monthly Account Maintenance Fee of $20 (included in analysis). Earnings allowance may reduce or eliminate fees. For high transaction volume businesses.

bankofoakridge.com
6Business Interest Checking - $40/month
ModelSubscriptionBilling cadenceMonthly
Notes

Competitive interest rate and annual percentage yield based on account balance. Monthly service fee of $40.

bankofoakridge.com
7Non-Profit Interest Checking - No monthly fee, up to 400 items
ModelSubscriptionBilling cadenceMonthly
Notes

No minimum monthly balance requirements. Up to 400 items per month ($0.25 per item over 400). Earns interest on balance.

bankofoakridge.com
8Business Lines of Credit - Starting at $5,000, variable rate
ModelUsage-basedBilling cadencePay-as-you-go
Notes

Lines of credit start at $5,000. Variable interest rate. For working capital, overdraft protection, seasonal purposes, inventory, or business expansion.

bankofoakridge.com
9SBA Loans - Government-backed loans for business acquisition, expansion, refinancing
ModelOtherBilling cadenceOther
Notes

SBA Preferred Lender. Loans backed by government guarantee for acquiring businesses, expanding operations, or refinancing debt. Contact for rates and terms.

bankofoakridge.com
GTM typeB2B and B2C
B2B and B2C
Offering typeServices
Services
Core offering1 text field

Bank of Oak Ridge is a community bank offering personal and business deposit accounts, consumer and commercial loans (including SBA Preferred Lender loans, mortgages, auto loans, HELOCs, business term loans and lines of credit), Visa debit/credit cards, treasury/cash management services, and digital banking through a Fiserv-powered mobile app, online banking, and Interactive Teller Machines. An affiliated insurance agency, Oak Ridge Insurance Services, distributes auto, home, life, business, and specialty insurance through multiple carrier partnerships.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 3 values shown
  • Over 500+ 5-star customer reviews
+2 more records
Product overview1 text field

Bank of Oak Ridge is an employee-owned community bank and subsidiary of Oak Ridge Financial Services, Inc. (OTCPink: BKOR), established in 2000 and headquartered in Oak Ridge, North Carolina. The bank offers a comprehensive suite of banking products and services through multiple channels (branch, mobile app, online banking, ITM, telephone) to individuals and businesses across the North Carolina Triad area. The product portfolio includes personal and business checking and savings accounts (including Health Savings Accounts as the first provider in North Carolina), Visa debit and credit cards with uChoose Rewards, mortgage and consumer lending products (auto loans, HELOCs), SBA Preferred Lender services, business term loans and lines of credit, and treasury management services (ACH, wire transfers, Remote Deposit Capture, Positive Pay). Digital banking capabilities are powered by Fiserv and include mobile banking, online banking with bill pay, digital wallets (Apple Pay, Google Pay, Samsung Pay), FedNow instant payments, Zelle person-to-person payments, credit monitoring tools, and identity theft protection. An affiliated insurance agency (Oak Ridge Insurance Services) provides additional products through multiple carrier partnerships.

Product and service24 records
1Personal Checking Accounts
CategoryDeposit products — Personal
2Savings Accounts
CategoryDeposit products — Personal
3Health Savings Accounts (HSA)
CategoryDeposit products — Personal & Business
4Business Money Market Accounts
CategoryDeposit products — Business
5Business Checking Accounts
CategoryDeposit products — Business
6Personal Debit Cards
CategoryCard products — Personal
7Personal Credit Cards
CategoryCard products — Personal
8Business Credit Cards
CategoryCard products — Business
9Auto Loans
CategoryConsumer lending
10Mortgage Loans
CategoryConsumer lending
11Home Equity Line of Credit (HELOC)
CategoryConsumer lending
12SBA Loans
CategoryCommercial lending
13Business Term Loans
CategoryCommercial lending
14Business Lines of Credit
CategoryCommercial lending
15Mobile Banking App
CategoryDigital banking
16Online Banking and Bill Pay
CategoryDigital banking
17Digital Wallet
CategoryDigital banking
18FedNow Instant Payments
CategoryPayments — Digital banking
19Cash Management Services
CategoryTreasury management
20Remote Deposit Capture
CategoryTreasury management
21Positive Pay
CategoryTreasury management — Fraud prevention
22Interactive Teller Machines (ITMs)
CategoryBranch service technology
23Identity Theft Protection
CategorySecurity service
24Oak Ridge Insurance Services
CategoryInsurance brokerage (subsidiary)
Scale indicator6 records

Each record includes

Type, Value, Description, Source

Partnership6 partners
1Fiserv
Strategic tierCoreTypeTechnology or Integration
Description

Technology partner powering Bank of Oak Ridge's mobile banking app and online banking platform. Enables real-time balances, account management, mobile deposits, transfers, bill pay, card controls, and digital wallet integration.

2IntraFi Network
Strategic tierCoreTypeTechnology or Integration
Description

FDIC insurance network partner enabling multi-million-dollar FDIC protection on deposits through demand deposit accounts, money market deposit accounts, and CDs.

3Small Business Administration (SBA)
Strategic tierCoreTypeStrategic or Co-development Partner
Description

SBA Preferred Lender status. SBA-backed loan programs for business acquisition, expansion, and debt refinancing. Government guarantee enables lending in otherwise difficult financing situations.

4VeriSign
Strategic tierCoreTypeTechnology or Integration
Description

Provides 128-bit secure server digital certificates and SSL protocol for encrypted data transfer on online banking services.

5FDIC
Strategic tierMinorTypeStrategic or Co-development Partner
Description

Partnership to offer FDIC Money Smart financial education curriculum to help adults enhance money management skills and banking relationships.

6Insurance Carrier Network (19 carriers)
Strategic tierCoreTypeChannel Partner/ Reseller/ Distributor
Description

Oak Ridge Insurance Services partners with 19 insurance carriers including American Modern, ASI, Bankers, Burns & Wilcox, Foremost, Hagerty, Heritage, Jackson Sumner, Johnson & Johnson, Liberty Mutual, National General, NCJUA, Progressive, Safeco, Tapco, The Hartford, Travelers, Universal, and Utica to offer auto, home, business, life, and specialty insurance products.

insurance.bankofoakridge.com
Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight5 records

Each record includes

Type, Description

Market position
Competitive moat5 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers6 records

Each record includes

Name, Industry, Type, Use case, Source, UUID

Segment4 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile4 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

Integration14 records

Each record includes

Title, Type, Description, Source

AI maturity
App detail

Has app

Feature7 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles11 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

Subsidiaries1 record

Each record includes

Name, Acquired on, Relationship type, Type, Business focus

Compliance3 records

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds1 record

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors1 record

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Bank of Oak Ridge

Community Bankingbankofoakridge.com

Bank of Oak Ridge is an employee-owned North Carolina community bank (founded 2000) serving Triad consumers, SMBs, and nonprofits with deposits, SBA and consumer lending, treasury services, and an affiliated insurance agency, via five branches and Fiserv-powered digital channels.

What Bank of Oak Ridge does

Bank of Oak Ridge is an employee-owned community bank headquartered in Oak Ridge, North Carolina, established in 2000 and operating as a wholly owned subsidiary of Oak Ridge Financial Services, Inc. (OTCPink: BKOR). It serves individuals and small-to-medium businesses across the North Carolina Triad through five physical branches (Oak Ridge, two in Greensboro, High Point, and Summerfield) supported by Interactive Teller Machines, a Fiserv-powered mobile and online banking platform, and 24/7 telephone banking. Its deposit, lending, and payments product set spans personal and business checking and savings (including Health Savings Accounts — in which it was first-to-market in North Carolina at founding), Visa debit and credit cards with a uChoose Rewards program, mortgage/HELOC/auto lending, SBA Preferred Lender loans, business term loans and lines of credit, treasury management (ACH, wire, Remote Deposit Capture, Positive Pay), FedNow instant payments, Zelle, and digital wallet support (Apple/Google/Samsung Pay). A wholly owned subsidiary, Oak Ridge Insurance Services, distributes personal and commercial lines through 19 carrier partnerships, contributing a non-deposit fee stream alongside core net interest income.

The bank's revenue model relies primarily on net interest income (interest earned on commercial, consumer, mortgage, and SBA loans net of deposit interest expense) supplemented by recurring deposit-account service fees (e.g., Business Money Market $10/month, Business Partner Checking $20/month, Business Interest Checking $40/month), card interchange, SBA loan guarantee fees, cash-management transaction fees, and insurance commissions. Technology architecture is largely outsourced — Fiserv DNA as the core banking system since 2019, with VeriSign SSL, Deluxe check printing, and third-party credit-bureau integrations for fraud and identity services — meaning the bank competes on local service, regulatory relationships (SBA Preferred Lender, FDIC-insured, CRA-focused), and employee-ownership culture rather than proprietary technology. Customer testimonials and 500+ five-star reviews evidence deep SMB and household relationships averaging a decade or longer, anchored by ClickSwitch onboarding friction reduction and personalized local decision-making on loans.

Distribution combines physical branch access, ITM-extended hours, mobile and online self-service, Inside Sales via a Client Connect phone team, and the Oak Ridge Insurance Services channel. Marketing is community-led: civic sponsorships (Junior Achievement, Big Brothers Big Sisters, United Way, Greensboro Symphony), FDIC Money Smart financial-education content, customer testimonials, and a "Spectacularly Local" registered-trademark positioning rather than paid digital acquisition. Recent material shifts include a 2025–2026 leadership refresh (Tom Wayne continuity with Kevin Reid promoted to EVP in March 2026, Steve Neal's board retirement), a Q1 2026 dividend hike of 14%, and rising credit drag with nonperforming assets at 1.42% of total assets (versus 0.67% a year earlier), concentrated in 16 nonperforming SBA loans.

Bank of Oak Ridge firmographics

Firmographics
Name
Bank of Oak Ridge
Legal name
Bank of Oak Ridge
Website
https://bankofoakridge.com
Company type
Public
Founded year
2000
Operating status
Operating
Headcount range
51–100 employees
Short description
Bank of Oak Ridge is an employee-owned North Carolina community bank (founded 2000) serving Triad consumers, SMBs, and nonprofits with deposits, SBA and consumer lending, treasury services, and an affiliated insurance agency, via five branches and Fiserv-powered digital channels.
Ownership category
akta.pro rank

Bank of Oak Ridge industry classification

Industry
Product category
Community Banking
NAICS
Commercial Banking (52211), Depository Credit Intermediation (5221)
SIC
Personal Credit Institutions (6141)
akta.pro primary industry
SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

Keywords

  • Community banking services
  • Personal banking products
  • Small business lending
  • SBA preferred loans
  • Treasury management services

Where Bank of Oak Ridge is headquartered

Location

Headquarters

HQ city
Greensboro
HQ country
United States
HQ region
North America

Offices6 records

Markets served

Bank of Oak Ridge business model

Business model
GTM type
B2B and B2C
Offering type
Services
Cost components
Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

  1. Net Interest Income: Interest income from loans (commercial, consumer, mortgage, SBA) minus interest paid on deposits. Core revenue driver for the bank.
  2. Deposit Account Fees: Monthly service fees on checking and money market accounts (Business Essential: varies, Business Partner: $20/month, Business Analysis: $20/month, Business Interest: $40/month, Non-Profit: no monthly fee)
  3. Card Interchange Revenue: Transaction fees from debit and credit card usage, including uChoose Rewards program
  4. Insurance Commissions: Commission revenue from Oak Ridge Insurance Services subsidiary offering auto, home, business, life, umbrella and other insurance products through multiple carrier partnerships
  5. SBA Loan Guarantees: Fees and revenue from SBA Preferred Lender program for small business loans with government guarantees
  6. Cash Management Services: ACH origination, wire transfers, remote deposit capture, and other treasury management fees

Pricing tiers

ModelBillingPrice
SubscriptionMonthlyIdentity Theft Protection - $6/month (free for Empower Checking clients)
SubscriptionMonthlyBusiness Money Market - $10/month service fee, $50 opening deposit, $1,000 minimum
SubscriptionMonthlyBusiness Essential Checking - Up to 250 items/month
SubscriptionMonthlyBusiness Partner Checking - $20/month (waived with $5,000 balance), up to 500 items
SubscriptionMonthlyBusiness Analysis Checking - $20/month analysis fee
SubscriptionMonthlyBusiness Interest Checking - $40/month
SubscriptionMonthlyNon-Profit Interest Checking - No monthly fee, up to 400 items
Usage-basedPay-as-you-goBusiness Lines of Credit - Starting at $5,000, variable rate
OtherOtherSBA Loans - Government-backed loans for business acquisition, expansion, refinancing

Go-to-market motion1 record

Distribution channels7 records

Marketing channels4 records

Bank of Oak Ridge product offering

Product offering

Core offering

Bank of Oak Ridge is a community bank offering personal and business deposit accounts, consumer and commercial loans (including SBA Preferred Lender loans, mortgages, auto loans, HELOCs, business term loans and lines of credit), Visa debit/credit cards, treasury/cash management services, and digital banking through a Fiserv-powered mobile app, online banking, and Interactive Teller Machines. An affiliated insurance agency, Oak Ridge Insurance Services, distributes auto, home, life, business, and specialty insurance through multiple carrier partnerships.

Product overview

Bank of Oak Ridge is an employee-owned community bank and subsidiary of Oak Ridge Financial Services, Inc. (OTCPink: BKOR), established in 2000 and headquartered in Oak Ridge, North Carolina. The bank offers a comprehensive suite of banking products and services through multiple channels (branch, mobile app, online banking, ITM, telephone) to individuals and businesses across the North Carolina Triad area. The product portfolio includes personal and business checking and savings accounts (including Health Savings Accounts as the first provider in North Carolina), Visa debit and credit cards with uChoose Rewards, mortgage and consumer lending products (auto loans, HELOCs), SBA Preferred Lender services, business term loans and lines of credit, and treasury management services (ACH, wire transfers, Remote Deposit Capture, Positive Pay). Digital banking capabilities are powered by Fiserv and include mobile banking, online banking with bill pay, digital wallets (Apple Pay, Google Pay, Samsung Pay), FedNow instant payments, Zelle person-to-person payments, credit monitoring tools, and identity theft protection. An affiliated insurance agency (Oak Ridge Insurance Services) provides additional products through multiple carrier partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

  • Personal Checking Accounts
  • Savings Accounts
  • Health Savings Accounts (HSA)
  • Business Money Market Accounts
  • Business Checking Accounts
  • Personal Debit Cards
  • Personal Credit Cards
  • Business Credit Cards
  • Auto Loans
  • Mortgage Loans
  • Home Equity Line of Credit (HELOC)
  • SBA Loans
  • Business Term Loans
  • Business Lines of Credit
  • Mobile Banking App
  • Online Banking and Bill Pay
  • Digital Wallet
  • FedNow Instant Payments
  • Cash Management Services
  • Remote Deposit Capture
  • Positive Pay
  • Interactive Teller Machines (ITMs)
  • Identity Theft Protection
  • Oak Ridge Insurance Services

Quantifiable outcome

  • Over 500+ 5-star customer reviews
  • +2 more outcomes

Companies that use Bank of Oak Ridge

Customer profile

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Bank of Oak Ridge technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Integration14 records

Feature7 records

Bank of Oak Ridge partnerships and signals

Strategic signal

Partnerships

Six partnerships are on record, tiered core and minor.

  • FiservcoreTechnology or IntegrationTechnology partner powering Bank of Oak Ridge's mobile banking app and online banking platform. Enables real-time balances, account management, mobile deposits, transfers, bill pay, card controls, and digital wallet integration.
  • IntraFi NetworkcoreTechnology or IntegrationFDIC insurance network partner enabling multi-million-dollar FDIC protection on deposits through demand deposit accounts, money market deposit accounts, and CDs.
  • Small Business Administration (SBA)coreStrategic or Co-development PartnerSBA Preferred Lender status. SBA-backed loan programs for business acquisition, expansion, and debt refinancing. Government guarantee enables lending in otherwise difficult financing situations.
  • VeriSigncoreTechnology or IntegrationProvides 128-bit secure server digital certificates and SSL protocol for encrypted data transfer on online banking services.
  • FDICminorStrategic or Co-development PartnerPartnership to offer FDIC Money Smart financial education curriculum to help adults enhance money management skills and banking relationships.
  • Insurance Carrier Network (19 carriers)coreChannel Partner/ Reseller/ DistributorOak Ridge Insurance Services partners with 19 insurance carriers including American Modern, ASI, Bankers, Burns & Wilcox, Foremost, Hagerty, Heritage, Jackson Sumner, Johnson & Johnson, Liberty Mutual, National General, NCJUA, Progressive, Safeco, Tapco, The Hartford, Travelers, Universal, and Utica to offer auto, home, business, life, and specialty insurance products.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Bank of Oak Ridge competitors and assessment

Company assessment

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Bank of Oak Ridge social profiles

Digital presence

Bank of Oak Ridge compliance and trust

Trust signal

Compliance3 records

Bank of Oak Ridge financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Bank of Oak Ridge leadership team

Management profile

Number of profiles

Profiles11 records

Bank of Oak Ridge subsidiaries and ownership

Company hierarchy

Subsidiaries1 record

Bank of Oak Ridge funding detail

Funding detail

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Bank of Oak Ridge M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank of Oak Ridge

What does Bank of Oak Ridge do?

Bank of Oak Ridge is a community bank offering personal and business deposit accounts, consumer and commercial loans (including SBA Preferred Lender loans, mortgages, auto loans, HELOCs, business term loans and lines of credit), Visa debit/credit cards, treasury/cash management services, and digital banking through a Fiserv-powered mobile app, online banking, and Interactive Teller Machines. An affiliated insurance agency, Oak Ridge Insurance Services, distributes auto, home, life, business, and specialty insurance through multiple carrier partnerships.

Is Bank of Oak Ridge a public or private company?

Bank of Oak Ridge is a public company. It is classified as public and is currently operating.

When was Bank of Oak Ridge founded?

Bank of Oak Ridge was founded in 2000. It employs 51 to 100 people.

Where is Bank of Oak Ridge based?

Bank of Oak Ridge is headquartered in Greensboro, United States, in the North America region.

How does Bank of Oak Ridge make money?

Six revenue lines are on record. Net Interest Income is the primary driver. The others are deposit Account Fees, card Interchange Revenue, insurance Commissions, SBA Loan Guarantees and cash Management Services.

Does Bank of Oak Ridge have an API?

No public API is recorded for Bank of Oak Ridge.

What industry is Bank of Oak Ridge in?

Bank of Oak Ridge's product category is Community Banking. Its primary akta.pro industry code is FSAKAGAJ, SME Lending Platforms & Embedded SME Credit. Its NAICS code is 52211 and its SIC code is 6141.

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Live signals
American Banking and Market NewsOak Ridge Financial Services Inc. (OTCMKTS:BKOR) Stock Short Interest Report for SeptemberShort interest in Oak Ridge Financial Services fell 86.4% to 6 shares as of September 30th. The stock opened at $32.40, with a market cap of $89.75 million and a P/E ratio of 11.33. The company reported $0.79 EPS and $7.94 million revenue for the quarter ending July 31st.MarketScreenerOak Ridge Financial Services, Inc. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026Oak Ridge Financial Services, Inc., the holding company for Bank of Oak Ridge, issued a quarterly earnings report for the second quarter and six months ended June 30, 2026. The company operates community banking services through branches in Guilford County, North Carolina, offering deposit products and originating commercial and consumer loans. The article body does not contain actual financial figures or earnings data; it primarily provides company background information.Ticker ReportOak Ridge Financial Services (OTCMKTS:BKOR) Announces Quarterly Earnings ResultsOak Ridge Financial Services announced quarterly earnings results, reporting $0.79 EPS for the quarter. The company's stock remained flat at $31.50 during midday trading on Friday with a market capitalization of $87.25 million. The company operates as a bank holding company for Bank of Oak Ridge, providing various banking products and services for individuals and businesses.GlobeNewswireOak Ridge Financial Services, Inc. Announces Second Quarter 2026 Results and Quarterly Cash Dividend of $0.16 Per Common ShareOak Ridge Financial Services reported Q2 2026 earnings per share of $0.79 and declared a quarterly cash dividend of $0.16 per share. The company's net interest margin reached a record 4.51%, while loans and deposits declined year-over-year. The dividend is payable September 2, 2026 to shareholders of record August 18, 2026.citybizBank of Oak Ridge Appoints Former Cherry Bekaert Partner Paul Fedorkowicz to Board of DirectorsOak Ridge Financial Services, the parent company of Bank of Oak Ridge, has appointed Paul Fedorkowicz to its Board of Directors, bringing over three decades of accounting and finance expertise from his former roles at Cherry Bekaert LLP and KPMG. The appointment is part of the bank's growth strategy and reflects a broader trend among community banks seeking directors with deep financial, regulatory, and governance experience amid evolving compliance requirements and digital transformation. Fedorkowicz's addition is intended to strengthen board oversight of financial reporting, audit processes, and strategic planning as the bank continues pursuing disciplined expansion across North Carolina's Triad region.GlobalfintechseriesBank of Oak Ridge Appoints Paul Fedorkowicz to Board of DirectorsOak Ridge Financial Services, Inc., the parent company of Bank of Oak Ridge, appointed Paul Fedorkowicz to its Board of Directors. Fedorkowicz brings over 30 years of executive leadership experience in public accounting, finance, and corporate governance, having served as a Partner at Cherry Bekaert LLP and previously as a Senior Manager at KPMG. The bank stated the appointment will strengthen its Board's expertise and support continued growth and service to its clients and communities.GlobeNewswireBank of Oak Ridge Appoints Paul Fedorkowicz to Board of DirectorsOak Ridge Financial Services, Inc., the parent company of Bank of Oak Ridge, has appointed Paul Fedorkowicz to its Board of Directors, effective July 24, 2026. Fedorkowicz is a retired partner of Cherry Bekaert LLP with over 30 years of experience in public accounting, finance, audit, and corporate governance, including prior roles at KPMG. The company stated the appointment will strengthen its board's financial expertise and support sustainable growth as it continues serving local communities in North Carolina.Stock TitanOak Ridge Financial Appoints Fedorkowicz to BoardOak Ridge Financial Services, Inc., the parent company of Bank of Oak Ridge, appointed Paul Fedorkowicz to its Board of Directors on July 24, 2026. Fedorkowicz brings over 30 years of executive leadership experience in public accounting, finance, audit, and corporate governance, having previously served as a Partner at Cherry Bekaert LLP and Senior Manager at KPMG. The company stated that his expertise is expected to strengthen Board governance as it continues pursuing sustainable growth and serving communities in North Carolina's Triad region.GlobeNewswireOak Ridge Financial Services, Inc. Announces First Quarter 2026 Results and 14% Increase in Quarterly Cash DividendOak Ridge Financial Services reported Q1 2026 earnings of $0.53 per share, down from $0.57 in 2025, and raised its quarterly cash dividend by 14% to $0.16. The increase was paid June 9, 2026, to stockholders of record as of May 26, 2026.Stock TitanOak Ridge promotes CFO Kevin Reid to EVPKevin Reid has been promoted from Chief Financial Officer to Executive Vice President at Oak Ridge Financial Services, Inc., the holding company for Bank of Oak Ridge. Reid joined the bank in 2021 as Controller and subsequently served as Information Security Officer and head of the Information Technology Department before moving into the CFO role. The promotion reflects the bank's focus on strong leadership and recognizes his contributions to enhancing the institution's financial health and strategic initiatives.