Oregon Pacific Bancorp's Q4 profit rises as interest margin expands
Overview
U.S. bank's Q4 net income rose to $2.7 mln, up from $2.2 mln in Q3
Company's net interest margin expanded to 3.96% in Q4
Annual net income grew to $8.6 mln from $7.5 mln in 2024
Outlook
Company anticipates continued growth in trust assets under management throughout 2026
Result Drivers
NET INTEREST MARGIN EXPANSION - The net interest margin increased to 3.96% due to higher loan yields and reduced cost of funds, despite a reduction in the prime rate
LOAN PRODUCTION - Quarterly loan production for new and renewed loans totaled $40.5 mln, with a weighted average effective rate of 6.69%
TRUST FEE INCOME - Noninterest income grew due to an increase in trust fee income, supported by growth in trust assets under management
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Income |
| $2.67 mln |
|
Q4 Net Interest Income |
| $7.93 mln |
|
Q4 Net Interest Margin |
| 3.96% |
|
Q4 Pretax Profit |
| $3.59 mln |
|
Q4 Provision for Credit Losses |
| $346,000 |
|
Press Release: ID:nBw4k5Bh1a
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