Business
OXFORD BANK CORPORATION ANNOUNCES FOURTH QUARTER AND FULL YEAR 2025 OPERATING RESULTS
OXFORD BANK CORPORATION ANNOUNCES FOURTH QUARTER AND FULL YEAR 2025 OPERATING RESULTS.
About this update from Oxford Bank Corporation
[{"type":"text","content":"\r\n\r\n \r\n \r\n OXFORD BANK CORPORATION ANNOUNCES FOURTH QUARTER AND FULL YEAR 2025 OPERATING RESULTS\r\n \r\n \r\n\r\n\r\nOXFORD BANK CORPORATION ANNOUNCES FOURTH QUARTER AND FULL YEAR 2025 OPERATING RESULTS\r\n\r\n\r\n\r\n\r\n\r\n\r\nOXFORD, Mich., Jan. 29, 2026 /PRNewswire/ -- Oxford Bank Corporation (\"the Company\") (OTC Bulletin Board: OXBC), the holding company for Oxford Bank (\"the Bank\"), today announced operating results for the fourth quarter ended December 31, 2025.\r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\nThe Company's quarterly consolidated earnings for the three months ended December 31, 2025, were $2.30 million, or $0.93 per weighted average share, compared to $1.68 million, or $0.68 per weighted average share for the same period one year ago and $3.06 million, or $1.24 per weighted average share for the third quarter of 2025.  2025 earnings of $10.96 million or $4.44 per share, increased 10% compared to $9.96 million or $4.05 per share in 2024.  President and CEO, David Lamb, commented \"We made significant progress on several aspects of our business during 2025.  Our Business Banking team led by Chief Relationship Officer Morrison produced robust growth from new and existing clients, with the latter being an important referral source of new customers. Our innovation efforts under the leadership of Chief Operating Officer Rosentrater continue to support improvement across the Bank.  In 2025 we introduced new treasury management technologies which improve experience and create opportunities with more sophisticated potential clients. Additionally, we have begun to leverage Artificial Intelligence (\"AI\") technologies for non-customer impacting activities.  While we believe that AI will transform all industries including banking, we also believe that a technology this powerful but still in its infancy needs deliberative implementation. Our goal in 2025 was to build familiarity internally without impacting client experience or exposing us to unintended risk. Overall, we are pleased with financial performance as demonstrated by growth of $1 million, or +10%, in net income compared with 2024.  The team delivered this strong performance despite the minor drag on earnings performance from credit-related expenses.  We believe this performance represents the engagement and p...