Oakworth Capital Inc. (OAKC)

Oakworth Capital Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	154.03	13.36	14.07	13.01	8.27	7.62
Investment Securities	189.67	205.17	248.66	271.78	420.03	180.45
Trading Asset Securities	-	0.81	1.9	0.47	1.17	2.19
Mortgage-Backed Securities	-	66.32	43.71	38.63	10.67	11.86
Total Investments	189.67	272.31	294.27	310.88	431.87	194.5
Gross Loans	1,534	1,459	1,248	977.67	748.32	699.54
Allowance for Loan Losses	-18.73	-16.33	-14.65	-11.69	-9.32	-8.28
Other Adjustments to Gross Loans	-	-2.74	-2.53	-1.77	-1.24	-2.36
Net Loans	1,515	1,440	1,231	964.21	737.77	688.9
Property, Plant & Equipment	3.82	16.31	18.04	15.45	3.52	3.28
Goodwill	-	-	-	-	0.45	0.56
Accrued Interest Receivable	6.85	6.68	6.28	4.26	2.38	2.45
Other Real Estate Owned & Foreclosed	-	5.37	-	-	-	-
Other Long-Term Assets	52.83	34.94	31.95	29.65	23.31	15.18
Total Assets	1,922	1,789	1,595	1,337	1,208	912.5
Interest Bearing Deposits	1,398	1,302	1,076	843.94	733.47	555.24
Institutional Deposits	-	19.76	26.93	17.46	41.2	45.46
Non-Interest Bearing Deposits	300.34	274.87	320.15	316.2	320.56	209.6
Total Deposits	1,698	1,597	1,424	1,178	1,095	810.31
Short-Term Borrowings	-	5.81	1.9	0.47	1.17	2.19
Current Portion of Leases	-	1.71	-	-	-	-
Accrued Interest Payable	0.71	1.15	1.07	0.84	0.04	0.1
Long-Term Debt	58.81	34.3	34.2	34.11	-	-
Long-Term Leases	-	10.69	13.63	12.61	-	-
Other Long-Term Liabilities	20.66	13.75	10.82	8.06	6.83	5.8
Total Liabilities	1,778	1,664	1,485	1,234	1,103	818.4
Common Stock	143.74	24.89	24.56	24.37	24.36	24.17
Additional Paid-In Capital	-	39.62	37.08	34.96	33.83	31.95
Retained Earnings	-	71.79	58.25	55.78	46.47	37.66
Treasury Stock	-	-0.57	-0.12	-0.47	-1.72	-1.99
Comprehensive Income & Other	-	-10.93	-9.52	-10.88	1.35	2.3
Shareholders' Equity	143.74	124.8	110.25	103.76	104.29	94.1
Total Liabilities & Equity	1,922	1,789	1,595	1,337	1,208	912.5
Total Debt	58.81	52.51	49.73	47.19	1.17	2.19
Net Cash (Debt)	95.23	74.27	114.66	144.41	332.99	119.69
Net Cash Growth	73.32%	-35.23%	-20.60%	-56.63%	178.22%	23.10%
Net Cash Per Share	19.33	15.21	23.59	29.38	68.50	24.66
Filing Date Shares Outstanding	5.01	4.9	4.88	4.86	4.81	4.76
Total Common Shares Outstanding	5.01	4.9	4.88	4.86	4.81	4.76
Book Value Per Share	28.70	25.45	22.61	21.37	21.68	19.76
Tangible Book Value	143.74	124.8	110.25	103.76	103.84	93.54
Tangible Book Value Per Share	28.70	25.45	22.61	21.37	21.59	19.64

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.