President’s Message

Thomas W. Wayne

Dear Clients, Shareholders and Neighbors,

Since opening in 2000, I am honored to say that Bank of Oak Ridge has stayed true to our commitment to the communities and people we serve. Our dedication to delivering Banking As It Should Be® has helped us maintain our positive momentum and steady growth.

By remaining faithful to the same sound ethical business practices that have guided Bank of Oak Ridge from the beginning, we focus on making a difference for our clients. We continuously strive to help our local people and businesses grow and prosper.

As a strong community bank, we understand we have a responsibility to encourage and stimulate local economic growth. Our Community Investment Loan Program offers low interest rates and mortgage incentives to those purchasing select residential lots in our region. In addition, our bank has been instrumental to a novel small businesses loan program with the University of North Carolina at Greensboro. We strongly believe in nurturing our deep connections to our community with locally-minded philanthropies and other civic efforts including the Boys & Girls Club, Alight Foundation, Room At The Inn of the Carolinas, American Heart Association and many others.

We look forward to continued success as we seek to find golden opportunities for our bank and our clients. I want to thank our Board of Directors, management team, employees and shareholders for the continued support that has been so crucial in allowing us to find ways to help all our stakeholders flourish and to deliver Banking As It Should Be®.

Thomas W. Wayne



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