Oregon Bancorp, Inc. (ORBN)

Oregon Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	24.71	19.61	17.49	14.52	13.9
Interest Income on Investments	-	5.51	2.61	1.87	0.11
Total Interest Income	24.71	25.12	20.09	16.39	14.01
Interest Paid on Deposits	8.52	6.32	4.08	0.88	1.09
Interest Paid on Borrowings	-	3.06	0.08	-	0.03
Total Interest Expense	8.52	9.38	4.16	0.88	1.12
Net Interest Income	16.19	15.74	15.93	15.51	12.89
Net Interest Income Growth (YoY)	2.88%	-1.21%	2.76%	20.27%	10.50%
Mortgage Banking Activities	-	10.62	15.13	30.33	76.52
Gain (Loss) on Sale of Investments	-	-0.01	-	-	-
Other Non-Interest Income	9.57	1.58	0.96	1.09	0.94
Total Non-Interest Income	9.57	12.19	16.08	31.42	77.46
Non-Interest Income Growth (YoY)	-21.54%	-24.19%	-48.81%	-59.44%	-13.67%
Revenues Before Loan Losses	25.76	27.93	32.02	46.92	90.35
Provision for Loan Losses	-0.29	-0.02	0.17	-	0.11
Revenue	26.05	27.95	31.84	46.92	90.24
Revenue Growth (YoY)	-6.82%	-12.22%	-32.14%	-48.00%	-10.42%
Salaries and Employee Benefits	-	14.56	17.52	25.04	45.97
Occupancy Expenses	-	0.44	0.49	0.26	0.24
Federal Deposit Insurance	-	0.24	0.21	0.15	0.13
Selling, General & Administrative	-	1.8	2.79	4.77	5.5
Other Non-Interest Expense	21.98	6.59	6.14	7.83	8.87
Total Non-Interest Expense	21.98	23.63	27.15	38.05	60.71
EBT Excluding Unusual Items	4.07	4.33	4.69	8.87	29.53
Pretax Income	4.07	4.33	4.69	8.87	29.53
Income Tax Expense	0.86	0.95	1.14	1.98	7.14
Net Income	3.21	3.38	3.55	6.9	22.39
Net Income to Common	3.21	3.38	3.55	6.9	22.39
Net Income Growth	-5.03%	-4.90%	-48.51%	-69.19%	-20.87%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	0.68%	1.38%	1.01%	2.77%	2.58%
EPS (Basic)	1.29	1.38	1.46	2.86	9.56
EPS (Diluted)	1.29	1.37	1.46	2.86	9.54
EPS Growth	-5.84%	-6.04%	-49.02%	-70.02%	-22.88%
Dividend Per Share	-	0.800	1.300	2.080	1.820
Dividend Growth	-	-38.46%	-37.50%	14.29%	145.95%
Effective Tax Rate	21.18%	21.91%	24.28%	22.26%	24.19%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.