Oxford Bank Corporation Reports Strong Financial Growth in 2025 Year-End Results

Oxford Bank Corporation, the parent company of Oxford Bank, has recently disclosed its operating results for the fourth quarter and full year of 2025. The financial institution has shown remarkable growth compared to both the previous quarter and the previous year, solidifying its position in the market.

Financial Highlights

In the fourth quarter ending December 31, 2025, Oxford Bank's consolidated net income reached $2.30 million, equivalent to $0.93 per weighted average share. This represents a considerable increase from $1.68 million or $0.68 per weighted average share during the same quarter in 2024 and a decrease from $3.06 million, or $1.24 per share, in the third quarter of 2025. For the full year, the bank recorded earnings of $10.96 million, or $4.44 per share, reflecting a 10% rise from $9.96 million, or $4.05 per share in 2024.

President and CEO David Lamb remarked on the company's achievements, noting substantial progress in various segments of their operations throughout 2025. Under the leadership of Chief Relationship Officer Morrison, the Business Banking team has successfully grown its clientele by establishing strong relationships and referrals from existing customers. Additionally, the bank has introduced new treasury management technologies, enhancing their service offerings and attracting more sophisticated clients.

Technological Advancements

In 2025, Oxford Bank has also made notable strides in its technology initiatives. The bank started implementing Artificial Intelligence (AI) solutions for internal processes, aiming to transform various operational aspects without affecting customer experiences. Lamb emphasized a cautious approach to integrating AI, focusing on internal familiarity before deployment into customer-facing activities.

Despite facing minor earnings drag due to credit-related expenses, the overall financial performance highlights a dedication to growth and customer service. Net interest income saw a 5% increase, although this was challenged by declining rates impacting the net interest margin. Notably, the bank's total assets surged to $1.09 billion, a jump from $915.31 million at the end of September 2025 and $811.21 million the previous year.

Robust Lending and Deposits

As of December 31, 2025, total loans and leases were recorded at $661.37 million, showing stability despite a minor decline since September 2025 (from $663.06 million). Lending activities remain solid, with year-over-year growth of 8% being achieved while maintaining disciplined credit standards. The bank anticipates further growth opportunities in 2026, supported by a robust pipeline in both conventional and commercial finance.

Deposits also experienced significant growth, amounting to $953.31 million, compared to $783.02 million in September and $686.93 million in the previous year's December. The bank's cost of funds slightly increased, but the reliable performance of its loyal deposit base has ensured a net interest margin of 5.23% for the year, surpassing peer averages.

Credit Loss Allowance and Future Outlook

The allowance for credit losses was raised to $8.04 million, reflecting prudent management given the shifting economic landscape. Portions of this increase came from provisions on portfolio growth along with net charge-offs of $0.17 million. The bank aims to navigate these challenges by ensuring that their Special Asset team can effectively manage potential losses while maintaining a diverse portfolio.

Overall, the information showcased in Oxford Bank Corporation's reporting reflects a robust financial outlook amidst various challenges, with solid performance indicators including a significant rise in assets and equity, steady lending performance, and customer relationship management initiatives to drive future success. As the company moves forward, it remains committed to leveraging technological advancements and nurturing client relationships to capitalize on growth opportunities in the evolving financial services landscape.

For further information about Oxford Bank and its extensive range of financial services, visit www.oxfordbank.bank.