Oxford Bank Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2016 - 2020
Cash & Equivalents	51.85	45.28	82.92	112.37	157.96	36.09	Upgrade
Investment Securities	118.87	113.57	147.89	196.81	151.69	106.81	Upgrade
Total Investments	118.87	113.57	147.89	196.81	151.69	106.81	Upgrade
Gross Loans	635.01	613.48	542.64	450.89	416.68	542.06	Upgrade
Allowance for Loan Losses	-7.29	-8.61	-6.08	-5.63	-5.47	-4.9	Upgrade
Net Loans	627.71	604.87	536.55	445.26	411.21	537.16	Upgrade
Property, Plant & Equipment	11.21	12.67	15.66	8.19	8.49	8.25	Upgrade
Goodwill	7	7	7	7	-	-	Upgrade
Accrued Interest Receivable	24.19	16.85	13.4	10.14	9.06	10.26	Upgrade
Other Real Estate Owned & Foreclosed	7.27	-	-	-	-	-	Upgrade
Other Long-Term Assets	11.4	11.21	10.85	10.54	10.23	-	Upgrade
Total Assets	859.51	811.45	816.67	792.65	750.87	699.15	Upgrade
Interest Bearing Deposits	446.18	413.01	413.03	529.62	505.91	446.17	Upgrade
Non-Interest Bearing Deposits	275.18	273.92	292.9	173.4	162.95	141.74	Upgrade
Total Deposits	721.36	686.93	705.93	703.02	668.86	587.9	Upgrade
Accrued Interest Payable	17.48	10.77	7.16	4.21	3.6	5.23	Upgrade
Long-Term Debt	15.93	15.78	15.75	15.71	15.68	51.02	Upgrade
Long-Term Leases	-	-	3.25	-	-	-	Upgrade
Total Liabilities	754.76	713.48	732.08	722.95	688.14	644.15	Upgrade
Common Stock	30.73	30.45	28.05	28.32	22.94	25.29	Upgrade
Additional Paid-In Capital	-	-	2.08	1.72	1.31	0.87	Upgrade
Retained Earnings	74.82	69.2	59.25	47.3	38.48	27.6	Upgrade
Comprehensive Income & Other	-2.37	-3.57	-5.53	-7.88	-0	1.25	Upgrade
Total Common Equity	103.18	96.08	83.85	69.47	62.73	55	Upgrade
Minority Interest	1.57	1.89	0.74	0.24	-	-	Upgrade
Shareholders' Equity	104.75	97.97	84.59	69.7	62.73	55	Upgrade
Total Liabilities & Equity	859.51	811.45	816.67	792.65	750.87	699.15	Upgrade
Total Debt	15.93	15.78	18.99	15.71	15.68	51.02	Upgrade
Net Cash (Debt)	36.68	30.5	69.4	105.84	155.17	-0.81	Upgrade
Net Cash Growth	-3.68%	-56.06%	-34.43%	-31.79%	-	-	Upgrade
Net Cash Per Share	14.87	12.40	28.43	44.28	68.01	-0.35	Upgrade
Filing Date Shares Outstanding	2.47	2.47	2.46	2.42	2.23	2.31	Upgrade
Total Common Shares Outstanding	2.47	2.47	2.46	2.42	2.23	2.31	Upgrade
Book Value Per Share	41.70	38.98	34.15	28.66	28.08	23.77	Upgrade
Tangible Book Value	96.18	89.08	76.85	62.47	62.73	55	Upgrade
Tangible Book Value Per Share	38.87	36.14	31.30	25.77	28.08	23.77	Upgrade

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