Fourth quarter 2025 net earnings of $826 thousand, or $0.33 per common share Quarterly return on average assets of 0.7% and return on average equity of 4.4% FullFourth quarter 2025 net earnings of $826 thousand, or $0.33 per common share Quarterly return on average assets of 0.7% and return on average equity of 4.4% Full

Oregon Bancorp Announces Fourth Quarter Earnings and Full-Year 2025 Financial Results

2026/01/24 03:31
5 min read

Fourth quarter 2025 net earnings of $826 thousand, or $0.33 per common share

Quarterly return on average assets of 0.7% and return on average equity of 4.4%

Full-Year net earnings of $3.2 million, or $1.29 per common share

Annual return on average assets of 0.7% and return on average equity of 4.3%

SALEM, Ore.–(BUSINESS WIRE)–Oregon Bancorp, Inc. (OTCBB: ORBN), the parent company of Willamette Valley Bank, today announced its financial results for the fourth quarter and full year ended December 31, 2025.

For the fourth quarter of 2025, the Company reported net income of $826,000, or $0.33 per share, resulting in a return on average assets of 0.7% and a return on average equity of 4.4%. This compares to net income of $1.1 million, or $0.46 per share, for the quarter ending September 30, 2025.

For the full year, Oregon Bancorp generated net income of $3.2 million, or $1.29 per share, compared to $3.4 million, or $1.38 per share, in 2024. The Company’s return on average assets remained steady at 0.7%, consistent with the prior year. The net interest margin improved during the year, reaching 3.8% in the fourth quarter and 3.7% for the full year, up from 3.5% and 3.6%, respectively, in 2024. Residential mortgage production totaled $52 million for the fourth quarter and $223 million for the year.

During the fourth quarter, total assets declined by $6.6 million, driven primarily by a $7.5 million decrease in deposits and a $6.6 million reduction in commercial loan balances. When compared to December 31, 2024, the balance sheet decreased by $17.8 million, largely reflecting a $19 million reduction in borrowings and a $14 million decline in commercial loan balances. Asset quality continues to remain strong and capital levels are solid.

President and CEO Ryan Dempster noted that the Federal Reserve’s three interest rate reductions during the quarter have already stimulated commercial lending activity, which is expected to contribute to commercial loan growth in the new year. “Although deposit balances remained level during the year, we have a strong pipeline of new customers,” Dempster said. “We are encouraged that this momentum will support deposit growth in 2026.”

About Oregon Bancorp, Inc.

Oregon Bancorp, Inc. is the parent company of Willamette Valley Bank (Bank), a community bank headquartered in Salem, Oregon. The Bank conducts commercial and retail banking activities at four full-service branch locations in Salem, Keizer, Silverton, and Albany, Oregon. The Bank also operates four Home Loan Centers located in Oregon and Idaho. For more information about Oregon Bancorp, Inc. or its subsidiary, Willamette Valley Bank, please call (503)485-2222 or visit our website at www.willamettevalleybank.com.

Forward Looking Statements

Certain statements in this release may be deemed “forward-looking statements”. Statements that are not historical facts, including statements about our beliefs and expectations, are forward-looking statements. These statements are based on current plans, estimates and projections, and therefore you should not place undue reliance on them. Forward-looking statements speak only as of the date they are made, and we undertake no obligation to update publicly any of them in light of new information or future events. Forward-looking statements involve inherent risks and uncertainties. We caution you that a number of important factors could cause actual results to differ materially from those contained in any forward-looking statement.

CONSOLIDATED BALANCE SHEETS (Unaudited)
(Amounts in thousands except per share data)
 
December 31,September 30,
ASSETS

2025

2024

2025

Cash and short term investments

$

32,414

$

42,541

$

25,547

Securities available-for-sale, at fair value

106,092

97,377

104,558

Loans available for sale, at fair value

11,717

11,407

11,717

Loans:
Real estate

278,066

294,034

284,734

Commercial

8,690

7,271

7,836

Other

305

322

1,152

Deferred fees and costs

(582

)

(642

)

(581

)

Loan loss reserve

(2,957

)

(3,243

)

(3,055

)

Total net loans

283,522

297,742

290,086

Property and other assets

18,492

20,957

26,914

Total assets

$

452,237

$

470,024

$

458,822

 
LIABILITIES
Deposits:
Noninterest-bearing demand

$

27,859

$

34,173

$

32,976

Interest-bearing demand

83,742

85,921

88,577

Savings and money market

137,088

116,261

132,563

Certificates of deposit

81,148

96,514

83,181

Total deposits

329,837

332,869

337,297

Borrowings

37,000

56,000

37,000

Other liabilities

8,897

7,676

9,017

Total liabilities

375,734

396,545

383,314

 
SHAREHOLDERS’ EQUITY

76,503

73,479

75,508

Total liabilities and shareholders’ equity

$

452,237

$

470,024

$

458,822

 
Book value per common share

$

30.69

$

29.63

$

30.29

CONSOLIDATED STATEMENTS OF NET INCOME (Unaudited)
(Amounts in thousands except per share data)
Year-to-DateThree Months Ending
December 31, 2025December 31, 2024December 31, 2025December 31, 2024
Interest income

$

24,714

$

25,120

$

6,153

$

6,494

Interest expense

8,520

9,379

2,013

2,470

Net interest income

16,194

15,741

4,140

4,024

(Benefit) provision for credit losses

(287

)

(20

)

(98

)

(309

)

Net interest income after provision

16,481

15,761

4,238

4,333

Noninterest income

9,567

12,193

2,319

2,893

Noninterest expense

21,978

23,628

5,544

6,137

Net income before income taxes

4,070

4,326

1,013

1,089

Provision for income taxes

862

948

187

216

Net income after income taxes

$

3,208

$

3,378

$

826

$

873

 
Net income per common share, basic

$

1.29

$

1.38

$

0.33

$

0.35

Contacts

Ryan Dempster

Oregon Bancorp, Inc.

503-485-2222

[email protected]

Disclaimer: The articles reposted on this site are sourced from public platforms and are provided for informational purposes only. They do not necessarily reflect the views of MEXC. All rights remain with the original authors. If you believe any content infringes on third-party rights, please contact [email protected] for removal. MEXC makes no guarantees regarding the accuracy, completeness, or timeliness of the content and is not responsible for any actions taken based on the information provided. The content does not constitute financial, legal, or other professional advice, nor should it be considered a recommendation or endorsement by MEXC.

You May Also Like

Crucial Fed Rate Cut: October Probability Surges to 94%

Crucial Fed Rate Cut: October Probability Surges to 94%

BitcoinWorld Crucial Fed Rate Cut: October Probability Surges to 94% The financial world is buzzing with a significant development: the probability of a Fed rate cut in October has just seen a dramatic increase. This isn’t just a minor shift; it’s a monumental change that could ripple through global markets, including the dynamic cryptocurrency space. For anyone tracking economic indicators and their impact on investments, this update from the U.S. interest rate futures market is absolutely crucial. What Just Happened? Unpacking the FOMC Statement’s Impact Following the latest Federal Open Market Committee (FOMC) statement, market sentiment has decisively shifted. Before the announcement, the U.S. interest rate futures market had priced in a 71.6% chance of an October rate cut. However, after the statement, this figure surged to an astounding 94%. This jump indicates that traders and analysts are now overwhelmingly confident that the Federal Reserve will lower interest rates next month. Such a high probability suggests a strong consensus emerging from the Fed’s latest communications and economic outlook. A Fed rate cut typically means cheaper borrowing costs for businesses and consumers, which can stimulate economic activity. But what does this really signify for investors, especially those in the digital asset realm? Why is a Fed Rate Cut So Significant for Markets? When the Federal Reserve adjusts interest rates, it sends powerful signals across the entire financial ecosystem. A rate cut generally implies a more accommodative monetary policy, often enacted to boost economic growth or combat deflationary pressures. Impact on Traditional Markets: Stocks: Lower interest rates can make borrowing cheaper for companies, potentially boosting earnings and making stocks more attractive compared to bonds. Bonds: Existing bonds with higher yields might become more valuable, but new bonds will likely offer lower returns. Dollar Strength: A rate cut can weaken the U.S. dollar, making exports cheaper and potentially benefiting multinational corporations. Potential for Cryptocurrency Markets: The cryptocurrency market, while often seen as uncorrelated, can still react significantly to macro-economic shifts. A Fed rate cut could be interpreted as: Increased Risk Appetite: With traditional investments offering lower returns, investors might seek higher-yielding or more volatile assets like cryptocurrencies. Inflation Hedge Narrative: If rate cuts are perceived as a precursor to inflation, assets like Bitcoin, often dubbed “digital gold,” could gain traction as an inflation hedge. Liquidity Influx: A more accommodative monetary environment generally means more liquidity in the financial system, some of which could flow into digital assets. Looking Ahead: What Could This Mean for Your Portfolio? While the 94% probability for a Fed rate cut in October is compelling, it’s essential to consider the nuances. Market probabilities can shift, and the Fed’s ultimate decision will depend on incoming economic data. Actionable Insights: Stay Informed: Continue to monitor economic reports, inflation data, and future Fed statements. Diversify: A diversified portfolio can help mitigate risks associated with sudden market shifts. Assess Risk Tolerance: Understand how a potential rate cut might affect your specific investments and adjust your strategy accordingly. This increased likelihood of a Fed rate cut presents both opportunities and challenges. It underscores the interconnectedness of traditional finance and the emerging digital asset space. Investors should remain vigilant and prepared for potential volatility. The financial landscape is always evolving, and the significant surge in the probability of an October Fed rate cut is a clear signal of impending change. From stimulating economic growth to potentially fueling interest in digital assets, the implications are vast. Staying informed and strategically positioned will be key as we approach this crucial decision point. The market is now almost certain of a rate cut, and understanding its potential ripple effects is paramount for every investor. Frequently Asked Questions (FAQs) Q1: What is the Federal Open Market Committee (FOMC)? A1: The FOMC is the monetary policymaking body of the Federal Reserve System. It sets the federal funds rate, which influences other interest rates and economic conditions. Q2: How does a Fed rate cut impact the U.S. dollar? A2: A rate cut typically makes the U.S. dollar less attractive to foreign investors seeking higher returns, potentially leading to a weakening of the dollar against other currencies. Q3: Why might a Fed rate cut be good for cryptocurrency? A3: Lower interest rates can reduce the appeal of traditional investments, encouraging investors to seek higher returns in alternative assets like cryptocurrencies. It can also be seen as a sign of increased liquidity or potential inflation, benefiting assets like Bitcoin. Q4: Is a 94% probability a guarantee of a rate cut? A4: While a 94% probability is very high, it is not a guarantee. Market probabilities reflect current sentiment and data, but the Federal Reserve’s final decision will depend on all available economic information leading up to their meeting. Q5: What should investors do in response to this news? A5: Investors should stay informed about economic developments, review their portfolio diversification, and assess their risk tolerance. Consider how potential changes in interest rates might affect different asset classes and adjust strategies as needed. Did you find this analysis helpful? Share this article with your network to keep others informed about the potential impact of the upcoming Fed rate cut and its implications for the financial markets! To learn more about the latest crypto market trends, explore our article on key developments shaping Bitcoin price action. This post Crucial Fed Rate Cut: October Probability Surges to 94% first appeared on BitcoinWorld.
Share
Coinstats2025/09/18 02:25
USD/INR edges lower as Indian Rupee gains on improving equity inflows

USD/INR edges lower as Indian Rupee gains on improving equity inflows

The post USD/INR edges lower as Indian Rupee gains on improving equity inflows appeared on BitcoinEthereumNews.com. USD/INR loses ground on Tuesday after two days
Share
BitcoinEthereumNews2026/02/10 12:37
Sahara AI has entered into a strategic partnership with South Korean payment giant Danal Fintech to jointly build a stablecoin AI payment system.

Sahara AI has entered into a strategic partnership with South Korean payment giant Danal Fintech to jointly build a stablecoin AI payment system.

PANews reported on February 10th that artificial intelligence company Sahara AI has entered into a deep collaboration with Danal Fintech, one of South Korea's largest
Share
PANews2026/02/10 12:42