ORRF 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	256.47	256.63	210.29	126.6	93.53	84.23
Interest Income on Investments	45.98	47.1	38.65	23.3	15.13	9.47
Total Interest Income	302.45	303.73	248.93	149.9	108.65	93.7
Interest Paid on Deposits	88.9	92.34	84.23	37.51	6.34	4.2
Interest Paid on Borrowings	14.2	11.6	9.45	7.48	2.69	2.52
Total Interest Expense	103.09	103.94	93.68	44.99	9.02	6.72
Net Interest Income	199.36	199.79	155.25	104.91	99.63	86.97
Net Interest Income Growth	-0.59%	28.69%	47.99%	5.30%	14.55%	4.03%
Trust Income	15.24	14.98	11.5	7.69	7.63	7.9
Mortgage Banking Activities	1.79	1.81	1.84	0.59	0.41	5.91
Gain (Loss) on Sale of Assets	-	-	-	1.1	-	-
Gain (Loss) on Sale of Investments	0.2	0.17	0.25	-0.05	-0.16	0.64
Gain (Loss) on Sale of Equity Investments	-0.21	-0.21	-0.16	-0.32	-0.27	-0.27
Other Non-Interest Income	31.71	27.48	18.69	12.69	15.52	11.93
Total Non-Interest Income	57.19	52.31	37.44	25.65	26.95	29.15
Non-Interest Income Growth	18.71%	39.74%	45.93%	-4.82%	-7.55%	2.98%
Revenues Before Loan Losses	256.54	252.11	192.69	130.56	126.58	116.13
Provision for Loan Losses	1.16	0.03	16.55	1.68	4.19	1.09
Revenue	255.38	252.08	176.14	128.88	122.39	115.04
Revenue Growth	9.27%	43.11%	36.68%	5.30%	6.40%	7.92%
Salaries and Employee Benefits	81.12	80.16	67.86	48.63	45.85	42.05
Federal Deposit Insurance	2.52	2.83	2.68	1.96	1.08	0.82
Amortization of Goodwill & Intangibles	9.18	9.77	5.74	0.95	1.11	1.28
Selling, General & Administrative	37.65	37.29	36.89	22.84	22.98	21.45
Other Non-Interest Expense	17.58	16.69	11.72	8.41	8.6	8.54
Total Non-Interest Expense	148.05	146.73	124.89	82.78	79.62	74.14
EBT Excluding Unusual Items	107.34	105.35	51.25	46.09	42.77	40.9
Legal Settlements	-	-	-0.48	-	-13	-
Pretax Income	107.34	102.64	27.81	45.03	26.62	40.9
Income Tax Expense	21.01	21.78	5.76	9.37	4.58	8.01
Net Income	86.32	80.86	22.05	35.66	22.04	32.88
Net Income to Common	86.32	80.86	22.05	35.66	22.04	32.88
Net Income Growth	99.45%	266.69%	-38.17%	61.83%	-32.98%	24.25%
Basic Shares Outstanding	19	19	15	10	11	11
Diluted Shares Outstanding	19	19	15	10	11	11
Shares Change	0.39%	29.78%	42.92%	-2.53%	-3.60%	0.65%
EPS (Basic)	4.48	4.21	1.49	3.45	2.09	3.00
EPS (Diluted)	4.45	4.18	1.48	3.42	2.06	2.96
EPS Growth	98.66%	182.43%	-56.73%	66.02%	-30.40%	23.33%

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
Dividend Per Share	1.140	1.060	0.860	0.800	0.760	0.740
Dividend Growth	16.33%	23.26%	7.50%	5.26%	2.70%	8.82%
Effective Tax Rate	19.58%	21.22%	20.70%	20.81%	17.20%	19.60%

SEC Filings: 10-K · 10-Q