Financial insights of OBT

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	29,839	28,103
Taxable	2,641	2,731
Tax exempt	506	561
Interest on federal funds sold and other	1,542	1,829
Total interest income	34,528	33,224
Savings and now accounts	5,496	5,256
Time deposits	852	2,222
Fhlb advances	616	375
Subordinated notes	617	231
Total interest expense	7,581	8,084
Net interest income	26,947	25,140
Provision for credit losses - loans	3,876	2,113
Net interest income after provision for credit losses	23,071	23,027
Service charges on deposit accounts	377	334
Trust income	1,578	1,573
Investment advisory income	1,957	1,823
Investment securities gains(losses), net	159	-727
Gain on sale of assets	-	1,236
Earnings on bank owned life insurance	190	234
Proceeds from bank owned life insurance benefit	1,191	2,399
Other	1,335	444
Total noninterest income	6,787	7,316
Salaries	7,378	6,813
Employee benefits	2,419	2,338
Occupancy expense	1,280	1,299
Professional fees	1,380	1,666
Directors' fees and expenses	314	319
Computer software expense	1,785	2,117
Fdic assessment	330	330
Advertising expenses	481	481
Advisor expenses related to trust income	22	22
Telephone expenses	220	203
Intangible amortization	71	72
Other	1,160	1,094
Total noninterest expense	16,840	16,754
Income before income taxes	13,018	13,589
Provision for income taxes	2,999	3,128
Net income	10,019	10,461

Basic EPS	0.75	0.87
Diluted EPS	0.75	0.87
Basic Average Shares	13,337,890	11,994,815
Diluted Average Shares	13,337,890	11,994,815

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.