Financial insights of OPHC

MyFinsight

For the quarter ending 2025-09-30, OPHC made $30,180K in revenue. $4,323K in net income. Net profit margin of 14.32%.

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

Income Statement	2025-09-30	2025-06-30
Loans	14,082	14,026
Debt securities	153	158
Other	2,086	1,404
Total interest income	16,321	15,588
Deposits	5,273	5,322
Borrowings	-	24
Total interest expense	5,273	5,346
Net interest income	11,048	10,242
Credit loss expense	763	1,040
Net interest income after credit loss expense	10,285	9,202
Service charges and fees	1,252	1,099
Other	730	735
Total noninterest income	1,982	1,834
Salaries and employee benefits	4,004	3,738
Professional fees	276	275
Occupancy and equipment	327	294
Data processing	788	625
Regulatory assessment	126	202
Other	1,083	1,047
Total noninterest expenses	6,604	6,181
Net earnings before income taxes	5,663	4,855
Income taxes	1,340	1,253
Net earnings	4,323	3,602

Net earnings per share - basic	0.37	0.31
Net earnings per share - diluted	0.18	0.29
Net earnings, weighted average shares - basic	11,772,744	11,751,082
Net earnings, weighted average shares - diluted	23,412,274	12,276,723