Oxford Bank Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	50.98	48.74	34.47	25.63	24.82
Interest Income on Investments	3.32	2.58	6.96	5.38	1.54
Total Interest Income	54.3	51.32	41.42	31.01	26.36
Interest Paid on Deposits	10.03	9.07	4.97	1.92	1.31
Interest Paid on Borrowings	0.61	0.77	0.55	-	-
Total Interest Expense	10.64	9.84	5.53	1.92	1.31
Net Interest Income	43.66	41.47	35.9	29.09	25.04
Net Interest Income Growth (YoY)	5.27%	15.53%	23.40%	16.16%	18.10%
Gain (Loss) on Sale of Assets	0.26	-	0.02	-	-
Other Non-Interest Income	6.58	5.68	7.64	3.16	2.87
Total Non-Interest Income	7.97	6.57	8.73	4.35	4.68
Non-Interest Income Growth (YoY)	21.17%	-24.70%	100.80%	-7.05%	50.90%
Revenues Before Loan Losses	51.63	48.05	44.63	33.44	29.72
Provision for Loan Losses	2.37	3.27	1.9	0.15	0.55
Revenue	49.25	44.77	42.73	33.29	29.17
Revenue Growth (YoY)	10.00%	4.77%	28.38%	14.12%	27.58%
Salaries and Employee Benefits	18.94	18.61	15.96	12.66	8.07
Occupancy Expenses	2.89	2.32	2.02	2.01	1.93
Selling, General & Administrative	5.63	4.52	3.78	3.5	2.35
Other Non-Interest Expense	5.08	5.85	5.56	4.09	3
Total Non-Interest Expense	34.45	31.3	27.32	22.26	15.36
EBT Excluding Unusual Items	14.8	13.48	15.42	11.03	13.82
Pretax Income	14.8	13.48	15.42	11.03	13.82
Income Tax Expense	2.62	2.77	2.85	2.12	2.93
Earnings From Continuing Operations	12.18	10.71	12.57	8.91	10.88
Minority Interest in Earnings	-1.22	-0.75	-0.51	-0.09	-
Net Income	10.96	9.96	12.06	8.82	10.88
Net Income to Common	10.96	9.96	12.06	8.82	10.88
Net Income Growth	10.10%	-17.42%	36.71%	-18.96%	55.45%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	0.46%	0.79%	2.12%	4.76%	-1.38%
EPS (Basic)	4.44	4.05	4.94	3.69	4.77
EPS (Diluted)	4.44	4.05	4.94	3.69	4.77
EPS Growth	9.60%	-18.07%	33.88%	-22.64%	57.63%
Effective Tax Rate	17.71%	20.55%	18.47%	19.21%	21.22%

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