Bank of Oak Ridge
North Carolina community bank established in 2000 serving the Triad region with locations in Oak Ridge, Greensboro, High Point, and Summerfield offering personalized banking.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (19 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Bank of Oak Ridge ranks #122 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Bank of Oak Ridge’s 7(a) acquisition lending falls in the $500K-$1M range: 8 loans, 42.1% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 3 | 15.8% | |
| $500K-$1M | 8 | 42.1% | |
| $1M-$2M | 6 | 31.6% | |
| $2M-$3M | 1 | 5.3% | |
| $4M-$5M | 1 | 5.3% |
Industries with highest loan volume
All Other Specialty Trade Contractors
2
loans
$1.6M
avg. amount
Pet and Pet Supplies Retailers
2
loans
$1.4M
avg. amount
Snack and Nonalcoholic Beverage Bars
2
loans
$720K
avg. amount
Amusement Arcades
1
loans
$643K
avg. amount
Couriers and Express Delivery Services
1
loans
$517K
avg. amount
Interior Design Services
1
loans
$777K
avg. amount
Pharmacies and Drug Retailers
1
loans
$1.5M
avg. amount
New Single-Family Housing Construction (except For-Sale Builders)
1
loans
$2.8M
avg. amount
General Automotive Repair
1
loans
$356K
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
1
loans
$660K
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
Bank of Oak Ridge’s median variable rate is + 2.25%, against a market median of Prime + 1.88%, 38 above market.
It priced below the market median in 1 of the last 4 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.67% |
| $500K-$1M | Prime + 2.33% |
| $1M-$2M | Prime + 1.94% |
| $2M-$3M | Prime + 1.25% |
| $4M-$5M | Prime + 1.50% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q1 '22 | Prime + 2.50% | Prime + 2.00% | Prime + 1.74% – Prime + 2.50% | 3 |
| Q3 '22 | Prime + 0.25% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 3 |
| Q1 '25 | Prime + 2.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q3 '25 | Prime + 2.15% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
Bank of Oak Ridge has originated 7(a) acquisition loans in 4 states, most actively in North Carolina (10), Virginia (7) and South Carolina (1). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| North Carolina | 10 | 52.6% |
| Virginia | 7 | 36.8% |
| South Carolina | 1 | 5.3% |
| Maryland | 1 | 5.3% |
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