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Oregon Bancorp Announces Second Quarter Earnings

Second quarter 2025 net earnings of $0.7 million, or $0.29 per common share

Quarterly return on average assets of 0.6% and return on average equity of 3.9%

SALEM, Ore.--(BUSINESS WIRE)-- Oregon Bancorp, Inc. (OTCBB: ORBN) (鈥渢he Company鈥�), parent company of Willamette Valley Bank, today announced net income of $719,000, or $0.29 per common share, for the second quarter of 2025. This compares to net income of $520,000, or $0.21 per share, for the quarter ended March 31, 2025.

The Company鈥檚 return on average assets and return on average equity for the second quarter were 0.6% and 3.9%, respectively. Net interest margin improved to 3.7%, compared to 3.5% in the previous quarter.

The balance sheet experienced a modest contraction of $5.1 million during the quarter, driven primarily by a decrease of $11.1 million in deposit balances. Despite this decline, deposit levels remained $16.6 million higher than at June 30, 2024. Residential mortgage loan volume increased 31%, rising from $48 million in the first quarter to $63 million in the second quarter. Asset quality and capital levels remain strong. The Company鈥檚 Board of Directors declared a quarterly dividend of $0.20 per share, which was paid on July 15, 2025.

鈥淲e remain focused on growing core relationships and see positive momentum as we move through the year,鈥� said Ryan Dempster, President and CEO. 鈥淲hile the broader economic outlook remains uncertain, and speculation continues around potential Federal Reserve interest rate cuts, our team is well-positioned to navigate the evolving environment.鈥�

About Oregon Bancorp, Inc.

Oregon Bancorp, Inc. is the parent company of Willamette Valley Bank (Bank), a community bank headquartered in Salem, Oregon. The Bank conducts commercial and retail banking activities at four full-service branch locations in Salem, Keizer, Silverton, and Albany, Oregon. The Bank also operates five Home Loan Centers located in Oregon and Idaho. For more information about Oregon Bancorp, Inc. or its subsidiary, Willamette Valley Bank, please call (503)485-2222 or visit our website at .

Forward Looking Statements

Certain statements in this release may be deemed 鈥渇orward-looking statements鈥�. Statements that are not historical facts, including statements about our beliefs and expectations, are forward-looking statements. These statements are based on current plans, estimates and projections, and therefore you should not place undue reliance on them. Forward-looking statements speak only as of the date they are made, and we undertake no obligation to update publicly any of them in light of new information or future events. Forward-looking statements involve inherent risks and uncertainties. We caution you that a number of important factors could cause actual results to differ materially from those contained in any forward-looking statement.

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View source version on businesswire.com:

Ryan Dempster

Oregon Bancorp, Inc.

503-485-2222

[email protected]

Source: Oregon Bancorp, Inc.