Oregon Bancorp (ORBN) Q4 2025 earnings summary
Event summary combining transcript, slides, and related documents.
Q4 2025 earnings summary
22 Oct, 2026Executive summary
Q4 2025 net income was $826K, or $0.33/share; FY25 net income was $3.2M, or $1.29/share.
FY25 assets were $452.2M, down $17.8M YoY, while book value per share rose to $30.69 from $29.63.
Financial highlights
FY25 net interest income was $16.2M vs. $15.7M in 2024; Q4 was $4.1M vs. $4.0M in Q4 2024.
FY25 net income was $3.2M vs. $3.4M in 2024; Q4 net income was $826K vs. $873K in Q4 2024 and $1.1M in Q3 2025.
FY25 noninterest income was $9.6M vs. $12.2M in 2024; noninterest expense was $22.0M vs. $23.6M.
Outlook and guidance
Commercial loan growth is expected in 2026 as rate reductions have stimulated lending activity; a strong new-customer pipeline is expected to support deposit growth.
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