Oregon Pacific Bancorp's Q4 profit rises as interest margin expands

Oregon Pacific Bancorp

27/01/2026 21:40

Overview

U.S. bank's Q4 net income rose to $2.7 mln, up from $2.2 mln in Q3

Company's net interest margin expanded to 3.96% in Q4

Annual net income grew to $8.6 mln from $7.5 mln in 2024

Outlook

Company anticipates continued growth in trust assets under management throughout 2026

Result Drivers

NET INTEREST MARGIN EXPANSION - The net interest margin increased to 3.96% due to higher loan yields and reduced cost of funds, despite a reduction in the prime rate

LOAN PRODUCTION - Quarterly loan production for new and renewed loans totaled $40.5 mln, with a weighted average effective rate of 6.69%

TRUST FEE INCOME - Noninterest income grew due to an increase in trust fee income, supported by growth in trust assets under management

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Net Income
$2.67 mln
Q4 Net Interest Income
$7.93 mln
Q4 Net Interest Margin
3.96%
Q4 Pretax Profit
$3.59 mln
Q4 Provision for Credit Losses
$346,000


Press Release: ID:nBw4k5Bh1a

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)