Bank Of Oak Ridge: History, Routing Number, Locations, Banking
Bank of Oak Ridge is a community-focused financial institution based in Oak Ridge, North Carolina. The bank serves consumers, businesses, and communities throughout the North Carolina Triad.
The institution was established in 2000 and has expanded through additional branches and financial services. Today, it provides checking, savings, lending, mortgages, business banking, insurance, wealth management, and digital banking.
The bank is also employee owned and operates through Oak Ridge Financial Services, Inc. Its local ownership model and community focus distinguish it from many larger national banking organizations.
What Is Bank Of Oak Ridge?
Where Is The Bank Located?
The main office is located at 2211 Oak Ridge Road in Oak Ridge, North Carolina. The institution also maintains branches in Summerfield, Greensboro, and High Point.
Its primary market includes communities throughout the Triad region. Customers can access traditional branches, ATMs, interactive teller machines, online banking, and mobile banking.
Is The Bank Still Operating?
Yes, the institution remains an active North Carolina financial institution. Current services include personal banking, commercial banking, consumer lending, mortgage financing, and wealth-related services.
The bank also continues investing in digital services and customer support. Its 2026 online banking upgrade added several features for personal and business customers.
Bank Of Oak Ridge History
When Was The Bank Founded?
The institution was chartered on April 10, 2000, in Oak Ridge, North Carolina. It was established with a community banking model focused on local customers and businesses.
Unlike some Massachusetts institutions with histories stretching into the nineteenth century, this bank is a relatively young community financial institution. Its growth has primarily occurred within the surrounding Triad market.
How Has The Bank Expanded?
The bank opened its Summerfield branch in 2003 and expanded into Greensboro during the following years. A New Garden Road office opened in 2005, followed by the Lake Jeanette location in 2008.
The institution later entered High Point with an Eastchester Drive office. That location opened in 2021 and remains part of its current branch network.
Who Owns Bank Of Oak Ridge?
What Is Oak Ridge Financial Services?
Oak Ridge Financial Services, Inc. is the holding company associated with the bank. The company trades under the ticker symbol BKOR on the over-the-counter market.
The holding company structure allows the banking organization to operate alongside related financial services. These operations include insurance and wealth management activities.
Is The Bank Employee Owned?
Yes, employee ownership is a major part of the institution’s business model. Eligible employees can participate in an Employee Stock Ownership Program funded by the company.
The organization says its employee ownership structure gives workers a direct financial interest in its performance. It also emphasizes employees’ connections with the communities where they work.
Who Is The CEO?
Current Chief Executive Officer
Tom Wayne currently serves as Chief Executive Officer and Chair of the Board. He has held senior leadership responsibilities within the organization for many years.
In July 2025, Wayne became Board Chair while continuing as CEO. Doug Boike then became Vice-Chair and Lead Director.
Other Executive Leaders
The current executive team includes several senior banking professionals overseeing credit, finance, people, marketing, and other operations.
Kevin Reid became Executive Vice President in March 2026 after previously serving in financial, technology, and information security roles. His promotion reflected his expanding responsibilities within the organization.
Where Are The Bank’s Branches?
Oak Ridge Location
The main office is located at 2211 Oak Ridge Road, Oak Ridge, NC 27310. This location serves as both the headquarters and a full-service banking office.
The main telephone number is 336-644-9944. Customers can use the office for standard banking services and account assistance.
Summerfield Location
The Summerfield office is located at 4423 Highway 220 North, Summerfield, NC 27358. It opened in 2003 as the institution expanded beyond Oak Ridge.
This location provides standard banking services for customers in Summerfield and nearby communities.
Greensboro Locations
The institution has two Greensboro offices serving different parts of the city. These include the New Garden Road location and the Lake Jeanette location.
The New Garden branch is at 1597 New Garden Road, while the Lake Jeanette office is at 400 Pisgah Church Road.
High Point Location
The High Point office is located at 2513 Eastchester Drive, High Point, NC 27265. It opened in 2021 as the newest location in the current network.
The branch extends the institution’s physical presence into High Point and surrounding communities.
What Is The Bank Of Oak Ridge Routing Number?
Current Routing Number
The current routing number is 053112327. This number can be used for eligible electronic transactions, direct deposits, and other banking purposes.
Customers should distinguish the routing number from their personal account number. They should also verify transaction instructions before sending important payments.
Where Can You Find The Routing Number?
Customers can find the routing number through official bank resources and account documentation. It may also appear on checks associated with eligible checking accounts.
When completing direct deposit forms or electronic transfers, customers should confirm the number with the institution. This helps prevent payment delays caused by incorrect banking information.
Does Bank Of Oak Ridge Have Online Banking?
Personal Online Banking
The institution offers online banking for personal customers. Users can review balances, examine transactions, transfer funds, pay bills, and manage other account functions.
Online banking provides account access without requiring customers to visit a physical branch. It is available alongside the institution’s mobile banking services.
Business Online Banking
Business customers can also use online banking and specialized cash management tools. Available services include ACH processing, wire transfers, remote deposit capture, and transaction management.
Businesses can use these tools for recurring payments, payroll, collections, and other electronic transactions. Additional security services are available for qualifying commercial accounts.
Mobile Banking
The mobile application provides many of the same functions available through online banking. Customers can review accounts, transfer money, deposit checks, manage cards, and receive transaction alerts.
The platform also supports digital wallet services. Customers can connect eligible cards with Apple Pay, Google Pay, and Samsung Pay.
What Changed With The 2026 Digital Banking Upgrade?
New Digital Features
The 2026 digital banking upgrade introduced several additional features for customers. These include credit score monitoring, budgeting tools, spending insights, and expanded account management functions.
The upgrade also added Zelle for small businesses and QR-code functionality. Business customers can therefore access additional electronic payment options through the updated platform.
Security And Customer Support
The upgraded system includes Positive Pay features for eligible business customers. This can help companies monitor checks and certain transactions for potential fraud.
Verified chat through Client Connect was also added to online and mobile banking. Customers can communicate with the institution through an authenticated digital environment.
What Personal Banking Services Are Available?
Checking And Savings
Personal customers can open checking and savings accounts through the institution. These accounts support everyday spending, saving, direct deposits, and other routine banking needs.
The bank also offers money market accounts and certificates of deposit. Rates, minimum balances, and account fees depend on the specific product.
Debit And Credit Cards
Customers can obtain debit cards for everyday purchases and account access. Mobile banking provides card controls, transaction alerts, and related management features.
Personal and business credit cards are also available. Eligible cardholders may receive rewards and other benefits depending on the selected product.
Does The Bank Offer Loans?
Consumer Loans
The institution provides consumer lending for several personal financing needs. Its application materials include products such as auto loans and overdraft lines of credit.
Loan availability, interest rates, terms, and approval requirements depend on the applicant and selected product. Customers should review current disclosures before applying.
Mortgages And Refinancing
Mortgage services cover home purchases and refinancing. The bank also provides financing for homeowners who need to access available property equity.
Home equity loans and home equity lines of credit are available to eligible borrowers. Applications can be started through the institution’s lending resources.
SBA And Business Loans
Business customers can access commercial lending and Small Business Administration financing. These products can support expansion, equipment purchases, working capital, and other qualifying business needs.
Local commercial lending is a major part of the institution’s community banking strategy. Businesses can work with local banking representatives when evaluating financing options.
What Business Banking Services Are Available?
Cash Management
Business cash management services include ACH origination, wire transfers, and remote deposit capture. These services can help companies handle recurring transactions without relying exclusively on physical branches.
ACH services can support payroll, recurring collections, rent payments, tuition, and other electronic transactions. Wire services provide another option for moving guaranteed funds.
Positive Pay
Positive Pay is available as a fraud prevention service for qualifying business customers. It can help businesses review checks and other transactions before processing.
The institution also offers ACH-related controls. These services give commercial customers additional tools for monitoring account activity.
Does The Bank Offer Insurance And Wealth Management?
Insurance Services
The organization provides personal and commercial insurance services. Its offerings include life insurance, personal coverage, commercial insurance, and wealth protection.
Insurance services operate alongside the banking business but are separate from FDIC-insured deposits. Customers should review policy terms carefully before purchasing coverage.
Wealth Management
Wealth management services are available through the organization’s related financial operations. These services can address investment planning, financial planning, and broader wealth needs.
Investment products differ from deposit accounts and can lose value. Customers should consider their objectives, risk tolerance, and financial circumstances before investing.
Is Bank Of Oak Ridge FDIC Insured?
Deposit Insurance
Yes, the institution is FDIC insured. Its FDIC certificate number is 35365, according to North Carolina banking regulatory records.
Eligible deposits receive federal insurance within applicable coverage limits. Customers should understand that insurance rules vary according to account ownership and deposit type.
What Is Not Covered?
FDIC insurance does not protect customers against normal investment losses. Investment products, securities, and certain other financial products are not equivalent to insured deposits.
Customers should ask which products qualify for deposit insurance before moving funds into unfamiliar financial products.
Is Bank Of Oak Ridge The Same As The Louisiana Bank?
Two Institutions Share The Name
There is another financial institution called Bank of Oak Ridge in Louisiana. The Louisiana organization is separate from the North Carolina bank discussed in this article.
The North Carolina institution is headquartered in Oak Ridge, North Carolina, and uses routing number 053112327. The Louisiana institution has different regulatory and routing information.
This distinction matters when searching for branches, online banking, routing information, or customer service. Readers should always confirm the state before relying on banking information.
How Does It Compare With Other Community Banks?
Regional Banking Options
The institution competes with community banks and larger financial organizations throughout North Carolina’s Triad region. Local competitors include Triad Business Bank, Uwharrie Bank, Mechanics and Farmers Bank, and other regional institutions.
Community banks generally compete by emphasizing local relationships and responsive service. Larger banks typically offer broader branch networks and more extensive national infrastructure.
Readers researching other regional institutions can also review information about Midwest Heritage Bank, which operates in Iowa and has a separate corporate history.
Another Massachusetts institution is North Brookfield Savings Bank, a mutual savings bank founded in 1854. Its ownership structure, market, and product offerings differ from the North Carolina institution.
Customers researching digital banking may also encounter information about the Whitney Bank login, which relates to a separate financial institution.
Frequently Asked Questions
What Is The Bank Of Oak Ridge Routing Number?
The primary routing number is 053112327. Customers should verify the number before completing direct deposits, electronic transfers, or other important transactions.
Who Owns Bank Of Oak Ridge?
Oak Ridge Financial Services, Inc. serves as the holding company. The banking organization also operates with an employee ownership structure through an Employee Stock Ownership Program.
Is Bank Of Oak Ridge FDIC Insured?
Yes, the North Carolina institution is FDIC insured. Its FDIC certificate number is 35365, according to state banking regulatory records.
Where Is Bank Of Oak Ridge Located?
The headquarters and main office are located at 2211 Oak Ridge Road in Oak Ridge, North Carolina. The institution also operates offices in Summerfield, Greensboro, and High Point.
Does Bank Of Oak Ridge Have Online Banking?
Yes, customers can use online and mobile banking to manage accounts, transfer funds, pay bills, deposit checks, monitor transactions, and access additional digital services.
Final Takeaways
Bank of Oak Ridge is an active community financial institution headquartered in Oak Ridge, North Carolina. Founded in 2000, it has expanded across the Triad through additional branches, commercial services, lending products, and digital banking.
The institution operates under Oak Ridge Financial Services, Inc. and maintains an employee ownership model. Its current services cover personal accounts, business banking, mortgages, consumer loans, insurance, wealth management, and electronic banking.
The primary routing number is 053112327, while the main customer service number is 336-644-9944. Customers should verify current rates, branch hours, account terms, and transaction instructions directly with the institution before making financial decisions.