Financial insights of OPHC

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans	18,114	14,987*	14,082	14,026
Debt securities	191	169*	153	158
Other	1,148	1,338*	2,086	1,404
Total interest income	19,453	16,493*	16,321	15,588
Deposits	6,176	5,578*	5,273	5,322
Borrowings	87	261*	-	24
Total interest expense	6,263	5,839*	5,273	5,346
Net interest income	13,190	10,654*	11,048	10,242
Credit gain expense (reversal)	770	-668*	763	1,040
Net interest income after credit loss expense	12,420	11,322*	10,285	9,202
Service charges and fees	1,313	1,131*	1,252	1,099
Other	471	-80*	730	735
Total noninterest income	1,784	1,050*	1,982	1,834
Salaries and employee benefits	4,988	3,183*	4,004	3,738
Professional fees	295	305*	276	275
Occupancy and equipment	338	300*	327	294
Data processing	914	621*	788	625
Regulatory assessment	179	195*	126	202
Gain on sale and write-downs of other real estate owned	-5	-	-	-
Other	1,297	1,375*	1,083	1,047
Total noninterest expenses	8,006	5,977*	6,604	6,181
Net income before income taxes	6,198	6,395*	5,663	4,855
Income taxes	1,535	1,634*	1,340	1,253
Net income	4,663	4,761	4,323	3,602

Basic EPS	0.39	0.412	0.37	0.31
Diluted EPS	0.2	0.407	0.18	0.29
Basic Average Shares	11,974,503	11,567,369	11,772,744	11,751,082
Diluted Average Shares	23,592,208	11,697,065*	23,412,274	12,276,723

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