Oregon Pacific Bancorp (ORPB) Q4 2025 earnings summary

Executive summary

• Reported fourth quarter 2025 net income of $2.7 million ($0.37 per diluted share), up from $2.2 million ($0.31 per diluted share) in the prior quarter.

• Full-year 2025 net income reached $8.6 million ($1.19 per diluted share), compared to $7.5 million ($1.05 per diluted share) in 2024.

• Achieved annual loan growth of $28.1 million (4.91%) and deposit growth of $22.7 million (3.36%).

• Named one of the 100 Best Companies to Work for in Oregon for 2026.

Financial highlights

• Quarterly net interest margin expanded to 3.96%, up 0.08% from the prior quarter.

• Return on average assets for Q4 was 1.27%; return on average equity was 14.90%.

• Noninterest income for Q4 was $2.3 million, with trust fee income as a key driver.

• Noninterest expense for Q4 was $6.3 million, slightly down from the previous quarter.

• Book value per share at year-end was $10.86.

Outlook and guidance

• Anticipates continued growth in trust services and noninterest income through 2026.

• Management remains focused on supporting local business and nonprofit clients.