Oxford Bank Corporation (OXBC)

Oxford Bank Balance Sheet

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
Cash & Equivalents	83.02	45.28	82.92	112.37	157.96	36.09
Investment Securities	119.46	113.57	147.89	196.81	151.69	106.81
Total Investments	119.46	113.57	147.89	196.81	151.69	106.81
Gross Loans	663.06	613.48	542.64	450.89	416.68	542.06
Allowance for Loan Losses	-7.71	-8.61	-6.08	-5.63	-5.47	-4.9
Net Loans	655.35	604.87	536.55	445.26	411.21	537.16
Property, Plant & Equipment	13.24	12.67	15.66	8.19	8.49	8.25
Goodwill	7	7	7	7	-	-
Accrued Interest Receivable	18.43	16.85	13.4	10.14	9.06	10.26
Other Real Estate Owned & Foreclosed	7.31	-	-	-	-	-
Other Long-Term Assets	11.5	11.21	10.85	10.54	10.23	-
Total Assets	915.31	811.45	816.67	792.65	750.87	699.15
Interest Bearing Deposits	510.28	413.01	413.03	529.62	505.91	446.17
Non-Interest Bearing Deposits	272.74	273.92	292.9	173.4	162.95	141.74
Total Deposits	783.02	686.93	705.93	703.02	668.86	587.9
Accrued Interest Payable	9.5	10.77	7.16	4.21	3.6	5.23
Long-Term Debt	13.83	15.78	15.75	15.71	15.68	51.02
Long-Term Leases	-	-	3.25	-	-	-
Total Liabilities	806.36	713.48	732.08	722.95	688.14	644.15
Common Stock	30.89	30.45	28.05	28.32	22.94	25.29
Additional Paid-In Capital	-	-	2.08	1.72	1.31	0.87
Retained Earnings	77.88	69.2	59.25	47.3	38.48	27.6
Comprehensive Income & Other	-1.42	-3.57	-5.53	-7.88	-0	1.25
Total Common Equity	107.36	96.08	83.85	69.47	62.73	55
Minority Interest	1.6	1.89	0.74	0.24	-	-
Shareholders' Equity	108.96	97.97	84.59	69.7	62.73	55
Total Liabilities & Equity	915.31	811.45	816.67	792.65	750.87	699.15
Total Debt	13.83	15.78	18.99	15.71	15.68	51.02
Net Cash (Debt)	69.69	30.5	69.4	105.84	155.17	-0.81
Net Cash Growth	-32.37%	-56.06%	-34.43%	-31.79%	-	-
Net Cash Per Share	28.23	12.40	28.43	44.28	68.01	-0.35
Filing Date Shares Outstanding	2.48	2.47	2.46	2.42	2.23	2.31
Total Common Shares Outstanding	2.48	2.47	2.46	2.42	2.23	2.31
Book Value Per Share	43.36	38.98	34.15	28.66	28.08	23.77
Tangible Book Value	100.36	89.08	76.85	62.47	62.73	55
Tangible Book Value Per Share	40.53	36.14	31.30	25.77	28.08	23.77

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