Oakworth Capital Inc. (Oakworth) (OTCQX: OAKC) reported 24% higher diluted earnings per share in fiscal year 2025 compared to 2024. Oakworth’s Chairman and CEO Scott Reed stated, “We focus on serving our clients at the highest level on a consistent basis, across markets. In 2025, our clients told us we were doing just that with a Net Promoter Score of 95 and 95% client retention. We know that financial results will follow and they have. I am exceptionally proud of our associates and look forward to more of the same in 2026.”
Fiscal year and “as of” December 31, 2025, highlights include:
Income/Profitability:
- Net income of $19.8 million: 25% higher than $15.8 million year-over-year
- Diluted earnings per share of $3.94: 24% higher than $3.19 in 2024
- Pre-tax pre-provision income of $29.6 million: 25% higher than $23.7 million in 2024
- Revenue of $82.7 million: 17% higher than $70.8 million in 2024
- 20% year-over-year growth in net interest income
- 13% year-over-year growth in trust and wealth fees
- Non-interest expenses of $53.1 million: 13% higher year-over-year
- ROAE of 14.4%
- ROAA of 1.1%
Wealth Assets/Balance Sheet:
- Wealth assets of $2.7 billion, 17% higher than $2.3 billion one year prior
- Year-over-year loan growth of 12% on average basis and 10% on period end basis to $1.6 billion
- Year-over-year deposit growth of 14% on average basis and 15% on period end basis to $1.8 billion
- Tangible book value per share: $30.10
Safety and Soundness:
- Credit quality metrics:
- $0.5 million non-performing loans
- $0 past due +90 loans
- $3.4 million ORE
- 1.2% allowance for credit losses as percentage of loans, net
- Capital ratios
- Total risk-based capital: 11.9%
- CET1: 10.7%
- Tier 1 leverage: 9.3%
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About Oakworth Capital Inc. and Oakworth Capital Bank
Oakworth Capital, Inc. operates as the bank holding company for Oakworth Capital Bank (Oakworth) (OTCQX: OAKC). Oakworth was founded in 2008 and operates four offices in the Southeast, including its headquarters in Birmingham, Alabama. Oakworth provides commercial and private banking, wealth management and advisory services to clients across the United States.
Oakworth has been ranked among American Banker’s “Best Banks to Work for” for the past nine years, holding the top spot for six of those and ranking #2 most recently. Additionally, Oakworth’s 2025 average Net Promoter Score (NPS) was 95 with a commensurate client retention rate of 95%. As of December 31, 2025, Oakworth had $2.0 billion in total assets, $1.6 billion in gross loans, $1.8 billion in deposits and $2.7 billion in wealth and trust assets under management. For more information, visit www.oakworth.com.
Advisory services, including investment management and financial planning, are offered through Oakworth Asset Management LLC, a registered investment advisor that is owned by Oakworth Capital Bank, Member FDIC. Investment products and services offered via Oakworth Asset Management LLC are independent of the products and services offered by Oakworth Capital Bank, and are not FDIC insured, may lose value, have no bank guarantee, and are not insured by any federal or state government agency. Because Oakworth Asset Management LLC is owned by Oakworth Capital Bank and because associates of either entity may provide financial advice to our clients, there exists a conflict of interest to the extent that either party recommends the services of the other. Oakworth Asset Management LLC does not provide tax or legal advice. You should consult your tax advisor, accountant, and/or attorney before making any decisions with tax or legal implications. Additional information about Oakworth Asset Management LLC, including its services and fees, may be obtained from adviserinfo.sec.gov or by contacting Oakworth Asset Management directly.