The Bancorp(US:TBBK) Businesswire·2026-01-23 19:23Financial Performance - For Q4 2025, Oregon Bancorp reported a net income of $826,000, or $0.33 per share, with a return on average assets of 0.7% and a return on average equity of 4.4%, down from a net income of $1.1 million, or $0.46 per share, in Q3 2025 [1][2] - For the full year 2025, the company generated a net income of $3.2 million, or $1.29 per share, compared to $3.4 million, or $1.38 per share, in 2024 [2] Asset and Liability Management - Total assets decreased by $6.6 million in Q4 2025, primarily due to a $7.5 million decline in deposits and a $6.6 million reduction in commercial loan balances [3] - Compared to December 31, 2024, total assets decreased by $17.8 million, largely reflecting a $19 million reduction in borrowings and a $14 million decline in commercial loan balances [3] Interest Margin and Loan Production - The net interest margin improved to 3.8% in Q4 2025 and 3.7% for the full year, up from 3.5% and 3.6% in 2024, respectively [2] - Residential mortgage production totaled $52 million for Q4 2025 and $223 million for the full year [2] Management Commentary - President and CEO Ryan Dempster noted that the Federal Reserve's three interest rate reductions during the quarter have stimulated commercial lending activity, which is expected to contribute to commercial loan growth in 2026 [4] - Dempster expressed optimism about a strong pipeline of new customers supporting deposit growth in 2026 [4] Company Overview - Oregon Bancorp, Inc. is the parent company of Willamette Valley Bank, a community bank headquartered in Salem, Oregon, conducting commercial and retail banking activities at four full-service branch locations [4]