Oxford Bank Balance Sheet

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
Cash & Equivalents	264.25	45.28	82.92	112.37	157.96
Investment Securities	116.85	113.57	147.89	196.81	151.69
Total Investments	116.85	113.57	147.89	196.81	151.69
Gross Loans	661.37	613.48	542.64	450.89	416.68
Allowance for Loan Losses	-8.04	-8.61	-6.08	-5.63	-5.47
Net Loans	653.33	604.87	536.55	445.26	411.21
Property, Plant & Equipment	13.27	12.67	15.66	8.19	8.49
Goodwill	7	7	7	7	-
Accrued Interest Receivable	17.22	16.85	13.4	10.14	9.06
Other Real Estate Owned & Foreclosed	5.45	-	-	-	-
Other Long-Term Assets	11.59	11.21	10.85	10.54	10.23
Total Assets	1,089	811.45	816.67	792.65	750.87
Interest Bearing Deposits	672.25	413.01	413.03	529.62	505.91
Non-Interest Bearing Deposits	281.06	273.92	292.9	173.4	162.95
Total Deposits	953.31	686.93	705.93	703.02	668.86
Accrued Interest Payable	10.39	10.77	7.16	4.21	3.6
Long-Term Debt	13.84	15.78	15.75	15.71	15.68
Long-Term Leases	-	-	3.25	-	-
Total Liabilities	977.54	713.48	732.08	722.95	688.14
Common Stock	30.84	30.45	28.05	28.32	22.94
Additional Paid-In Capital	-	-	2.08	1.72	1.31
Retained Earnings	80.18	69.2	59.25	47.3	38.48
Comprehensive Income & Other	-1.31	-3.57	-5.53	-7.88	-0
Total Common Equity	109.71	96.08	83.85	69.47	62.73
Minority Interest	1.72	1.89	0.74	0.24	-
Shareholders' Equity	111.43	97.97	84.59	69.7	62.73
Total Liabilities & Equity	1,089	811.45	816.67	792.65	750.87
Total Debt	13.84	15.78	18.99	15.71	15.68
Net Cash (Debt)	250.91	30.5	69.4	105.84	155.17
Net Cash Growth	722.80%	-56.06%	-34.43%	-31.79%	-
Net Cash Per Share	101.52	12.40	28.43	44.28	68.01
Filing Date Shares Outstanding	2.48	2.47	2.46	2.42	2.23
Total Common Shares Outstanding	2.48	2.47	2.46	2.42	2.23
Book Value Per Share	44.31	38.98	34.15	28.66	28.08
Tangible Book Value	102.71	89.08	76.85	62.47	62.73
Tangible Book Value Per Share	41.48	36.14	31.30	25.77	28.08

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