Ottawa Bancorp Q4 net income falls on higher operating expenses
Overview
U.S. bank's Q4 net income fell due to higher expenses and loan loss provisions
Net interest margin increased by 14.5% during the year
Company completed its seventh stock repurchase program, buying 120,996 shares
Outlook
Ottawa Bancorp anticipates growth in commercial real estate loans in 2026
Company expects credit quality to remain strong due to sound underwriting practices
Ottawa Bancorp aims to improve operating efficiencies and increase non-interest income
Result Drivers
HIGHER EXPENSES - Increased operating expenses and loan loss provisions led to lower Q4 net income
IMPROVED CREDIT QUALITY - Decrease in non-performing loans improved credit quality and reduced required reserves
COMMERCIAL LOAN GROWTH - Growth in higher-yielding commercial loans amidst muted residential loan origination
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.14 |
|
Q4 Net Income |
| $300,000 |
|
Q4 Basic EPS |
| $0.14 |
|
Q4 Loan Loss Allowance |
| -$120,000 |
|
Q4 Net Interest Margin |
| 3.14% |
|
Press Release: ID:nGNX7843jW
For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.
Related Articles
Coca Cola (KO) Q4 Earnings Preview: Look for the Upside in the AI Initiatives, not in the Revenue and the EPS
Coca-Cola (KO) enters its fourth-quarter 2025 earnings call tomorrow with significant momentum. However, a fundamental shift is occurring.
Warsh’s Fed Era Signals a Death Knell for QE, Jolting the $30 Trillion Treasury Market
With Warsh’s nomination, his past proposals for governing the Federal Reserve are being brought to the forefront. A central issue is the formulation of a new "1951 Accord" to restructure the relationship between the Fed and the Treasury. Analysts suggest such a move could impact the $30 trillion Tre
Amazon Stock Predictions for 2026 to 2030: Will They Exceed Expectations and Achieve Major Long-Term Goals?
TradingKey - As we head into 2026, many investors are questioning where Amazon (AMZN) fits into the technology world.
A Crash After a Surge: Why Silver Lost 40% in a Week?
TradingKey - Spot silver (XAGUSD) prices continue to decline. Silver plunged 20% on Thursday, breaking below $71 per ounce, with the sell-off intensifying on Friday as prices fell further below $64. Compared to the all-time high set on January 29, silver prices have retraced more than 40%, wiping out nearly all gains accumulated over the previous month.
