Oxford Bank Corporation (OXBC)

Oxford Bank Income Statement

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
Interest Income on Loans	50.57	48.74	34.47	25.63	24.82	21.32
Interest Income on Investments	3.06	2.58	6.96	5.38	1.54	1.85
Total Interest Income	53.63	51.32	41.42	31.01	26.36	23.17
Interest Paid on Deposits	9.64	9.07	4.97	1.92	1.31	1.96
Interest Paid on Borrowings	0.63	0.77	0.55	-	-	-
Total Interest Expense	10.27	9.84	5.53	1.92	1.31	1.96
Net Interest Income	43.36	41.47	35.9	29.09	25.04	21.2
Net Interest Income Growth (YoY)	10.72%	15.53%	23.40%	16.16%	18.10%	15.42%
Gain (Loss) on Sale of Assets	0.26	-	0.02	-	-	-
Other Non-Interest Income	5.34	5.68	7.64	3.16	2.87	1.77
Total Non-Interest Income	6.66	6.57	8.73	4.35	4.68	3.1
Non-Interest Income Growth (YoY)	-15.80%	-24.70%	100.80%	-7.05%	50.90%	-22.01%
Revenues Before Loan Losses	50.02	48.05	44.63	33.44	29.72	24.3
Provision for Loan Losses	3.6	3.27	1.9	0.15	0.55	1.44
Revenue	46.42	44.77	42.73	33.29	29.17	22.86
Revenue Growth (YoY)	4.19%	4.77%	28.38%	14.12%	27.58%	3.57%
Salaries and Employee Benefits	18.62	18.61	15.96	12.66	8.07	7.39
Occupancy Expenses	2.79	2.32	2.02	2.01	1.93	1.7
Selling, General & Administrative	4.74	4.52	3.78	3.5	2.35	2.07
Other Non-Interest Expense	5.86	5.85	5.56	4.09	3	2.83
Total Non-Interest Expense	32.02	31.3	27.32	22.26	15.36	13.98
EBT Excluding Unusual Items	14.4	13.48	15.42	11.03	13.82	8.89
Pretax Income	14.4	13.48	15.42	11.03	13.82	8.89
Income Tax Expense	2.81	2.77	2.85	2.12	2.93	1.89
Earnings From Continuing Operations	11.59	10.71	12.57	8.91	10.88	7
Minority Interest in Earnings	-1.26	-0.75	-0.51	-0.09	-	-
Net Income	10.34	9.96	12.06	8.82	10.88	7
Net Income to Common	10.34	9.96	12.06	8.82	10.88	7
Net Income Growth	-2.92%	-17.42%	36.71%	-18.96%	55.45%	32.67%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	0.39%	0.79%	2.12%	4.76%	-1.38%	1.16%
EPS (Basic)	4.19	4.05	4.94	3.69	4.77	3.03
EPS (Diluted)	4.19	4.05	4.94	3.69	4.77	3.03
EPS Growth	-3.30%	-18.07%	33.88%	-22.64%	57.63%	31.15%
Effective Tax Rate	19.49%	20.55%	18.47%	19.21%	21.22%	21.22%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.