Oak Ridge Financial Q4 net income rises
Overview
Community bank's Q4 net income rose to $2.3 mln, with EPS at $0.85
Net interest margin for Q4 increased to 4.10%
Nonperforming assets increased to 1.07% of total assets
Outlook
Company did not provide specific guidance for future quarters or full year
Result Drivers
NET INTEREST MARGIN - Oak Ridge achieved a net interest margin of 4.11% in 2025, reflecting disciplined focus on margin management
NONINTEREST INCOME - Increase in noninterest income driven by service charges and SBA loan sales
NONINTEREST EXPENSES - Higher salaries and equipment costs contributed to increased noninterest expenses
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.85 |
|
Q4 Net Interest Income |
| $6.70 mln |
|
Q4 Dividend |
| $0.14 |
|
Q4 Net Interest Margin |
| 4.10% |
|
Press Release: ID:nGNXbBh9NQ
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