Core Points - Oakworth Capital Inc. declared an annual dividend of $0.45 per common share, payable on January 15, 2026, to shareholders of record as of December 15, 2025 [1] Company Overview - Oakworth Capital Inc. operates as the bank holding company for Oakworth Capital Bank, founded in 2008, with four offices in the Southeast, including its headquarters in Birmingham, Alabama [2] - The company provides commercial and private banking, wealth management, and advisory services across the United States [2] Performance Metrics - Oakworth has been recognized among American Banker's "Best Banks to Work for" for nine consecutive years, achieving the top position for six of those years and ranking 2 most recently [3] - The company's 2024 average Net Promoter Score (NPS) was 94, with a client retention rate of 95% [3] - As of September 30, 2025, Oakworth reported total assets of $1.9 billion, gross loans of $1.5 billion, deposits of $1.7 billion, and wealth and trust assets under management totaling $2.6 billion [3]

Core Insights - Oakworth Capital Inc. reported a 22% increase in diluted earnings per share for the first nine months of 2025 compared to the same period in 2024, reflecting strong profitability and growth [1][4][6] Income/Profitability - Net income reached $14.5 million, a 24% increase from $11.7 million year-over-year [4][6] - Diluted earnings per share were $2.90, up 22% from $2.37 in the same period of 2024 [4][6] - Pre-tax pre-provision income was $22.1 million, representing a 28% increase from $17.3 million year-over-year [4] - Revenue totaled $60.6 million, a 17% increase from $51.7 million in the same period of 2024 [4] Wealth Assets/Balance Sheet - Wealth assets reached $2.6 billion, an 11% increase from $2.3 billion one year prior [4][8] - Total assets as of September 30, 2025, were $1.9 billion, with gross loans of $1.5 billion and deposits of $1.7 billion [8] - Year-over-year loan growth was 13% on an average basis and 9% on a period-end basis [4] - Year-over-year deposit growth was 14% on an average basis and 11% on a period-end basis [4] Safety and Soundness - The company reported a return on average equity (ROAE) of 14.5% and a return on average assets (ROAA) of 1.1% [4] - Credit quality metrics included $0.5 million in non-performing loans and a 1.2% allowance for credit losses as a percentage of loans [4] - Capital ratios were reported as total risk-based capital at 12.2%, Common Equity Tier 1 (CET1) at 11.0%, and Tier 1 leverage at 9.8% [4]

Core Insights - Oakworth Capital Inc. reported a 24% increase in diluted earnings per share for the first half of 2025 compared to the same period in 2024, with net income reaching $9.4 million, a 25% year-over-year increase [1][7][9] Income/Profitability - Revenue for the first half of 2025 was $39.8 million, an 18% increase from $33.9 million in the same period of 2024 [7] - Pre-tax pre-provision income was $14.5 million, up 31% from $11.1 million year-over-year [7] - Non-interest expenses increased by 11% year-over-year to $25.3 million [7] - Return on average equity (ROAE) was 14.5% and return on average assets (ROAA) was 1.0% [7] Wealth Assets/Balance Sheet - As of June 30, 2025, total assets were $1.8 billion, a 2% increase from $1.7 billion a year prior [5][9] - Wealth assets under management reached $2.4 billion, a 10% increase from $2.2 billion year-over-year [7][9] - Total loans amounted to $1.5 billion, reflecting a 15% year-over-year growth on an average basis [7][9] - Total deposits were $1.6 billion, a 16% increase on an average basis year-over-year [7][9] Safety and Soundness - Credit quality metrics showed $0.5 million in non-performing loans and no loans past due by 90 days or more [7] - The allowance for credit losses was 1.2% of net loans [7] - Capital ratios included total risk-based capital at 12.1%, Common Equity Tier 1 (CET1) at 10.9%, and Tier 1 leverage at 9.7% [7]