Oxford Bank Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	52.75	50.98	48.74	34.47	25.63	24.82
Interest Income on Investments	3.52	3.32	2.58	6.96	5.38	1.54
Total Interest Income	56.27	54.3	51.32	41.42	31.01	26.36
Interest Paid on Deposits	10.88	10.03	9.07	4.97	1.92	1.31
Interest Paid on Borrowings	0.61	0.61	0.77	0.55	-	-
Total Interest Expense	11.49	10.64	9.84	5.53	1.92	1.31
Net Interest Income	44.78	43.66	41.47	35.9	29.09	25.04
Net Interest Income Growth (YoY)	8.57%	5.27%	15.53%	23.40%	16.16%	18.10%
Gain (Loss) on Sale of Assets	0.26	0.26	-	0.02	-	-
Other Non-Interest Income	6.36	6.58	5.68	7.64	3.16	2.87
Total Non-Interest Income	7.93	7.97	6.57	8.73	4.35	4.68
Non-Interest Income Growth (YoY)	18.44%	21.17%	-24.70%	100.80%	-7.05%	50.90%
Revenues Before Loan Losses	52.71	51.63	48.05	44.63	33.44	29.72
Provision for Loan Losses	3.75	2.37	3.27	1.9	0.15	0.55
Revenue	48.96	49.25	44.77	42.73	33.29	29.17
Revenue Growth (YoY)	8.80%	10.00%	4.77%	28.38%	14.12%	27.58%
Salaries and Employee Benefits	19.73	18.94	18.61	15.96	12.66	8.07
Occupancy Expenses	2.84	2.89	2.32	2.02	2.01	1.93
Selling, General & Administrative	5.71	5.63	4.52	3.78	3.5	2.35
Other Non-Interest Expense	5.27	5.08	5.85	5.56	4.09	3
Total Non-Interest Expense	35.49	34.45	31.3	27.32	22.26	15.36
EBT Excluding Unusual Items	13.47	14.8	13.48	15.42	11.03	13.82
Pretax Income	13.47	14.8	13.48	15.42	11.03	13.82
Income Tax Expense	2.47	2.62	2.77	2.85	2.12	2.93
Earnings From Continuing Operations	11.01	12.18	10.71	12.57	8.91	10.88
Minority Interest in Earnings	-1.34	-1.22	-0.75	-0.51	-0.09	-
Net Income	9.67	10.96	9.96	12.06	8.82	10.88
Net Income to Common	9.67	10.96	9.96	12.06	8.82	10.88
Net Income Growth	1.73%	10.10%	-17.42%	36.71%	-18.96%	55.45%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	0.47%	0.46%	0.79%	2.12%	4.76%	-1.38%
EPS (Basic)	3.91	4.44	4.05	4.94	3.69	4.77
EPS (Diluted)	3.91	4.44	4.05	4.94	3.69	4.77
EPS Growth	1.25%	9.60%	-18.07%	33.88%	-22.64%	57.63%
Effective Tax Rate	18.32%	17.71%	20.55%	18.47%	19.21%	21.22%

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