Oak Ridge Financial Services, Inc.

OTCPK:BKOR Stock Report

Market Cap: US$55.9m

Oak Ridge Financial Services Balance Sheet Health

Financial Health criteria checks 6/6

Oak Ridge Financial Services has total assets of $653.5M and total equity of $62.9M. Total deposits are $510.5M, and total loans are $500.2M. It earns a Net Interest Margin of 3.9%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $21.8M.

Key information

10.4x

Asset to equity ratio

3.9%

Net interest margin

Total deposits

US$510.50m

Loan to deposit ratio

Appropriate

Bad loans

0.6%

Allowance for bad loans

Sufficient

Current ratio

Low

Cash & equivalents

US$21.83m

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: BKOR's Assets to Equity ratio (10.4x) is moderate.

Allowance for Bad Loans: BKOR has a sufficient allowance for bad loans (185%).

Low Risk Liabilities: 86% of BKOR's liabilities are made up of primarily low risk sources of funding.

Loan Level: BKOR has an appropriate level of Loans to Assets ratio (77%).

Low Risk Deposits: BKOR's Loans to Deposits ratio (98%) is appropriate.

Level of Bad Loans: BKOR has an appropriate level of bad loans (0.6%).


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