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	Sep '26 Sep 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	56.01	50.98	48.74	34.47	25.63	24.82
Interest Income on Investments	3.87	3.32	2.58	6.96	5.38	1.54
Total Interest Income	59.88	54.3	51.32	41.42	31.01	26.36
Interest Paid on Deposits	11.69	10.03	9.07	4.97	1.92	1.31
Interest Paid on Borrowings	1	0.61	0.77	0.55	-	-
Total Interest Expense	12.69	10.64	9.84	5.53	1.92	1.31
Net Interest Income	47.19	43.66	41.47	35.9	29.09	25.04
Net Interest Income Growth	8.83%	5.27%	15.53%	23.40%	16.16%	18.10%
Gain (Loss) on Sale of Assets	1.07	0.26	-	0.02	-	-
Other Non-Interest Income	6.24	6.58	5.68	7.64	3.16	2.87
Total Non-Interest Income	9.3	7.97	6.57	8.73	4.35	4.68
Non-Interest Income Growth	39.77%	21.17%	-24.70%	100.80%	-7.05%	50.90%
Revenues Before Loan Losses	56.5	51.63	48.05	44.63	33.44	29.72
Provision for Loan Losses	2.75	2.37	3.27	1.9	0.15	0.55
Revenue	53.75	49.25	44.77	42.73	33.29	29.17
Revenue Growth	15.79%	10.00%	4.77%	28.38%	14.12%	27.58%
Salaries and Employee Benefits	21.38	18.94	18.61	15.96	12.66	8.07
Occupancy Expenses	2.97	2.89	2.32	2.02	2.01	1.93
Selling, General & Administrative	6.33	5.63	4.52	3.78	3.5	2.35
Other Non-Interest Expense	6.81	5.08	5.85	5.56	4.09	3
Total Non-Interest Expense	39.4	34.45	31.3	27.32	22.26	15.36
EBT Excluding Unusual Items	14.35	14.8	13.48	15.42	11.03	13.82
Pretax Income	14.35	14.8	13.48	15.42	11.03	13.82
Income Tax Expense	2.5	2.62	2.77	2.85	2.12	2.93
Earnings From Continuing Operations	11.85	12.18	10.71	12.57	8.91	10.88
Minority Interest in Earnings	-1.53	-1.22	-0.75	-0.51	-0.09	-
Net Income	10.32	10.96	9.96	12.06	8.82	10.88
Net Income to Common	10.32	10.96	9.96	12.06	8.82	10.88
Net Income Growth	-0.17%	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	0.52%	0.46%	0.79%	2.12%	4.76%	-1.38%
EPS (Basic)	4.16	4.44	4.05	4.94	3.69	4.77
EPS (Diluted)	4.16	4.44	4.05	4.94	3.69	4.77
EPS Growth	-0.69%	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	Sep '26 Sep 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	17.44%	17.71%	20.55%	18.47%	19.21%	21.22%