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	Jun '26 Jun 30, 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	54.18	50.98	48.74	34.47	25.63	24.82
Interest Income on Investments	3.7	3.32	2.58	6.96	5.38	1.54
Total Interest Income	57.88	54.3	51.32	41.42	31.01	26.36
Interest Paid on Deposits	11.12	10.03	9.07	4.97	1.92	1.31
Interest Paid on Borrowings	0.96	0.61	0.77	0.55	-	-
Total Interest Expense	12.08	10.64	9.84	5.53	1.92	1.31
Net Interest Income	45.8	43.66	41.47	35.9	29.09	25.04
Net Interest Income Growth	8.92%	5.27%	15.53%	23.40%	16.16%	18.10%
Gain (Loss) on Sale of Assets	-	0.26	-	0.02	-	-
Other Non-Interest Income	6.26	6.58	5.68	7.64	3.16	2.87
Total Non-Interest Income	7.56	7.97	6.57	8.73	4.35	4.68
Non-Interest Income Growth	13.26%	21.17%	-24.70%	100.80%	-7.05%	50.90%
Revenues Before Loan Losses	53.36	51.63	48.05	44.63	33.44	29.72
Provision for Loan Losses	2.62	2.37	3.27	1.9	0.15	0.55
Revenue	50.74	49.25	44.77	42.73	33.29	29.17
Revenue Growth	11.12%	10.00%	4.77%	28.38%	14.12%	27.58%
Salaries and Employee Benefits	20.51	18.94	18.61	15.96	12.66	8.07
Occupancy Expenses	3.02	2.89	2.32	2.02	2.01	1.93
Selling, General & Administrative	6.01	5.63	4.52	3.78	3.5	2.35
Other Non-Interest Expense	6.16	5.08	5.85	5.56	4.09	3
Total Non-Interest Expense	37.64	34.45	31.3	27.32	22.26	15.36
EBT Excluding Unusual Items	13.1	14.8	13.48	15.42	11.03	13.82
Pretax Income	13.1	14.8	13.48	15.42	11.03	13.82
Income Tax Expense	2.35	2.62	2.77	2.85	2.12	2.93
Earnings From Continuing Operations	10.75	12.18	10.71	12.57	8.91	10.88
Minority Interest in Earnings	-1.15	-1.22	-0.75	-0.51	-0.09	-
Net Income	9.6	10.96	9.96	12.06	8.82	10.88
Net Income to Common	9.6	10.96	9.96	12.06	8.82	10.88
Net Income Growth	-4.31%	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	0.47%	0.46%	0.79%	2.12%	4.76%	-1.38%
EPS (Basic)	3.87	4.44	4.05	4.94	3.69	4.77
EPS (Diluted)	3.87	4.44	4.05	4.94	3.69	4.77
EPS Growth	-4.76%	9.60%	-18.07%	33.88%	-22.64%	57.63%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Effective Tax Rate	17.94%	17.71%	20.55%	18.47%	19.21%	21.22%