Oregon Pacific Bancorp (ORPB)

Oregon Pacific Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	35.4	33.4	30.38	25.53	19.74	19.79
Interest Income on Investments	7.11	6.68	6.92	7.77	5.15	1.26
Total Interest Income	42.51	40.08	37.3	33.3	24.9	21.05
Interest Paid on Deposits	8.67	9.2	9.02	5.33	0.73	0.45
Interest Paid on Borrowings	1.21	1.25	1.34	1.07	0.8	0.28
Total Interest Expense	9.88	10.44	10.37	6.4	1.52	0.73
Net Interest Income	32.63	29.64	26.94	26.9	23.37	20.32
Net Interest Income Growth	13.97%	10.03%	0.13%	15.10%	15.02%	12.49%
Trust Income	4.8	4.7	4	3.62	3.21	3.03
Gain (Loss) on Sale of Investments	-	-	-	-	-1.83	-
Other Non-Interest Income	4.07	3.99	3.73	3.39	3.85	2.9
Total Non-Interest Income	8.87	8.71	7.94	7.16	5.53	6.62
Non-Interest Income Growth	3.55%	9.64%	10.96%	29.49%	-16.48%	28.57%
Revenues Before Loan Losses	41.5	38.34	34.88	34.06	28.9	26.94
Provision for Loan Losses	0.61	1.12	0.31	-0.23	0.69	-
Revenue	40.89	37.22	34.57	34.29	28.2	26.94
Revenue Growth	12.23%	7.66%	0.83%	21.57%	4.71%	28.07%
Salaries and Employee Benefits	15.05	14.92	14.1	12.47	10.74	9.47
Federal Deposit Insurance	0.35	0.35	0.35	0.35	0.2	0.38
Selling, General & Administrative	6.86	6.61	6.39	5.9	4.83	4.05
Other Non-Interest Expense	4.34	3.93	3.78	3.3	2.92	2.63
Total Non-Interest Expense	26.71	25.81	24.63	22.02	18.69	16.52
EBT Excluding Unusual Items	14.18	11.41	9.95	12.27	9.51	10.41
Pretax Income	14.18	11.41	9.95	12.27	9.51	10.41
Income Tax Expense	3.62	2.84	2.42	3.04	2.37	2.61
Net Income	10.55	8.57	7.52	9.23	7.14	7.8
Net Income to Common	10.55	8.57	7.52	9.23	7.14	7.8
Net Income Growth	29.94%	13.99%	-18.54%	29.23%	-8.42%	79.19%
Basic Shares Outstanding	7	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7	7
Shares Change	0.09%	0.54%	0.68%	0.45%	0.42%	0.51%
EPS (Basic)	1.47	1.20	1.05	1.30	1.01	1.11
EPS (Diluted)	1.47	1.19	1.05	1.30	1.01	1.11
EPS Growth	29.82%	13.33%	-19.23%	28.71%	-8.88%	78.78%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Effective Tax Rate	25.55%	24.89%	24.38%	24.76%	24.90%	25.07%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 28, 2026

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