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Oregon Bancorp (ORBN) investor relations material
Oregon Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Second quarter 2025 net income reached $2.0 million, or $0.28 per diluted share, up from $1.7 million and $0.23 per share in the prior quarter.
Net interest margin expanded to 3.85%, an increase of 0.18% over the previous quarter.
Loan and deposit growth continued, with loans up $8.9 million and deposits up $4.4 million sequentially.
Return on average assets improved to 1.02% for the quarter.
Financial highlights
Interest income for Q2 2025 was $9.7 million, with net interest income at $7.2 million.
Noninterest income totaled $2.1 million, down $57 thousand from Q1 but up $126 thousand year-over-year.
Noninterest expense decreased by $208 thousand from the prior quarter, mainly due to lower salaries and benefits.
Net income for Q2 2025 was $2.0 million, compared to $1.7 million in Q1 2025 and $1.9 million in Q2 2024.
Outlook and guidance
Management anticipates continued focus on margin expansion and noninterest expense control.
The bank expects outside services expense to decrease in Q3 following a managed service provider transition.
Forward-looking statements caution about risks and uncertainties affecting future results.
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