Oak Ridge Financial Q4 net income rises

Oak Ridge Financial Services

05/02/2026 22:45

Overview

Community bank's Q4 net income rose to $2.3 mln, with EPS at $0.85

Net interest margin for Q4 increased to 4.10%

Nonperforming assets increased to 1.07% of total assets

Outlook

Company did not provide specific guidance for future quarters or full year

Result Drivers

NET INTEREST MARGIN - Oak Ridge achieved a net interest margin of 4.11% in 2025, reflecting disciplined focus on margin management

NONINTEREST INCOME - Increase in noninterest income driven by service charges and SBA loan sales

NONINTEREST EXPENSES - Higher salaries and equipment costs contributed to increased noninterest expenses

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.85
Q4 Net Interest Income
$6.70 mln
Q4 Dividend
$0.14
Q4 Net Interest Margin
4.10%


Press Release: ID:nGNXbBh9NQ

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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.)