Oregon Pacific Bancorp Q3 net income rises on deposit growth

Oregon Pacific Bancorp

23/10/2025 21:39

Overview

Oregon Pacific Bancorp Q3 net income rises to $2.2 mln, $0.31 per share

Company's Q3 deposits grow by $28.7 mln, driven by terminating trust activity

Net interest margin for Q3 expands to 3.88%, up from 3.85% in prior quarter

Outlook

Company expects $9 mln in trust-related deposits to leave in Q4

Result Drivers

DEPOSIT GROWTH - Quarterly deposit growth of $28.7 mln driven by terminating trust activity, increasing cash balances

NET INTEREST MARGIN EXPANSION - Increased yields on loans and securities contributed to net interest margin expansion to 3.88%

SECURITIES PURCHASES - Higher liquidity from deposit growth led to securities purchases focused on low-risk mortgage-backed securities

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Net Income
$2.21 mln
Q3 Net Interest Income
$7.72 mln
Q3 Net Interest Margin
3.88%
Q3 Pretax Profit
$2.96 mln
Q3 Provision for Credit Losses
$505,000


Press Release: ID:nBwc9D6lga

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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.)