Financial insights of OPHC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans	57,146
Debt securities	635
Other	6,573
Total interest income	64,354
Deposits	21,434
Borrowings	333
Total interest expense	21,767
Net interest income	42,587
Credit loss expense	2,036
Net interest income after credit loss expense	40,551
Service charges and fees	4,657
Other	2,117
Total noninterest income	6,774
Salaries and employee benefits	14,795
Professional fees	1,131
Occupancy and equipment	1,231
Data processing	2,740
Regulatory assessment	687
Other	4,570
Total noninterest expenses	25,154
Net income before income taxes	22,171
Income tax expense	5,523
Net income	16,648

Basic EPS	1.42
Diluted EPS	0.71
Basic Average Shares	11,697,065
Diluted Average Shares	11,697,065

Unit: Thousand (K) dollars (except for numbers of shares and EPS).