Oregon Bancorp (ORBN) Q3 2025 earnings summary

Executive summary

• Q3 2025 net income was $1.1 million, or $0.46 per share, versus $719,000, or $0.29 per share, in Q2 2025.

• Net interest margin rose to 3.8% from 3.7% in Q2; balance sheet was described as relatively consistent, with deposits up $9.4 million and loans down $7.2 million QoQ.

Financial highlights

• Q3 net interest income was $4.198 million, up from $4.080 million YoY; net income was $1.143 million versus $1.017 million.

• Q3 interest income was $6.370 million versus $6.852 million YoY; interest expense declined to $2.172 million from $2.772 million.

• Q3 noninterest income was $2.583 million versus $3.022 million YoY; noninterest expense was $5.483 million versus $5.714 million.

• 9M 2025 net income was $2.382 million, or $0.96 per share, versus $2.452 million, or $0.99 per share, in 9M 2024.

Outlook and guidance

• Management emphasized disciplined growth, strong credit quality, adaptability, and consistent shareholder and community value amid an uncertain broader economic outlook.