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Oregon Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Third quarter net income reached $2.2 million, or $0.31 per diluted share, up from $2.0 million and $0.28 per share in the prior quarter.
Deposit growth was robust, with period-end deposits expanding by $28.7 million to $728.4 million, a 16.65% increase.
Net interest margin expanded to 3.88%, up 0.03% from the previous quarter, driven by higher yields on loans and securities.
Return on average assets was 1.06%, and return on average equity was 12.58% for the quarter.
Financial highlights
Interest income for the quarter was $10.4 million, with net interest income at $7.7 million.
Noninterest income totaled $2.2 million, up $99 thousand from the previous quarter, mainly due to increased merchant card services.
Noninterest expense decreased to $6.3 million, primarily from lower salaries, benefits, and outside services.
Provision for credit losses on loans was $505 thousand, and for unfunded commitments $123 thousand, reflecting a less favorable economic outlook.
Outlook and guidance
Cash balances from a terminating trust ($9.0 million) are expected to leave the balance sheet in the fourth quarter as distributions are completed.
Management remains focused on disciplined expense control and leveraging the community bank model for continued value creation.
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Next Oregon Bancorp earnings date
Q4 202512 Feb, 2026
Oregon Bancorp
Next Oregon Bancorp earnings date
Q4 202512 Feb, 2026
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Frequently asked questions
Oregon Bancorp Inc. operates as the holding company for Willamette Valley Bank, offering a variety of banking services to individuals and businesses primarily in Oregon and Washington. Through its subsidiary, the company provides personal and business banking products, including checking and savings accounts, mortgage and commercial loans, and credit options. Oregon Bancorp also offers mortgage banking services, which include residential mortgage origination for homebuyers. The company emphasizes digital and in-branch services to meet the financial needs of its regional customer base. Oregon Bancorp Inc. is headquartered in Salem, Oregon, and its shares are listed on the OTCQX.
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