OBK 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-05-06

• Our Optimize Origin initiative, announced in January 2025 and designed to drive elite financial performance and enhance our award-winning culture, remains an integral part of our corporate DNA.

• •As announced in our Fourth Quarter and Full Year 2025 Earnings Release, we updated our near term ROAA run rate target to 1.15% or higher by 4Q26, as we continue towards our ultimate target of a top quartile ROAA.

• •Net interest income was $87.2 million for the three months ended March 31, 2026, reflecting an increase of $8.8 million, or 11.2%, compared to the three months ended March 31, 2025.

• •Our fully tax equivalent net interest margin (“NIM-FTE”) increased 27 basis points for the quarter ended March 31, 2026, compared to the quarter ended March 31, 2025. This expansion was driven primarily by a 63-basis point reduction in rates paid on interest-bearing liabilities, offset by a 23-basi…

• •Total loans held for investment (“LHFI”) were $7.86 billion at March 31, 2026, reflecting an increase of $193.3 million, or 2.5%, compared to December 31, 2025. LHFI, excluding mortgage warehouse lines of credit, were $7.34 billion at March 31, 2026, reflecting an increase of $199.8 million, or 2.8…

相对上期删除的文字 · 来源:10-Q · 2025-11-05

• In January 2025, we announced our Optimize Origin initiative to drive elite financial performance and enhance our award-winning culture.

• •Established near term target of greater than a 1% return on average assets (“ROAA”) run rate by the fourth quarter of 2025 and an ultimate target of top quartile ROAA.

• •In pursuit of our near term target, we have executed, or are executing, various strategic initiatives, including branch consolidation, headcount reduction, securities optimization, capital optimization, cash/liquidity management, mortgage restructuring, as well as other opportunistic efficiency opt…

• •Provision for credit losses was $36.8 million for the three months ended September 30, 2025, reflecting an increase of $32.2 million compared to the three months ended September 30, 2024. The increase was due primarily to suspected fraud within a borrowing relationship.

• •Net interest income was $83.7 million for the three months ended September 30, 2025, reflecting an increase of $8.9 million, or 11.9%, compared to the three months ended September 30, 2024.

相对上期新增的文字 · 来源:10-Q · 2026-05-06

• We have found that, historically, interest rates on deposits do not change completely in tandem with the changes in the discount and federal funds rates. Overall, interest rates on deposits typically experience a lower degree of rate change than changes in market interest rates and this assumption i…

• The FRB sets various benchmark rates, including the federal funds rate, and thereby influences the general market rates of interest, including the loan and deposit rates offered by financial institutions and the fair value of our available for sale securities. The Federal Reserve Board reduced the f…

相对上期删除的文字 · 来源:10-Q · 2025-11-05

• (1)Rates and model assumptions were as of September 30, 2025, and therefore did not reflect the Federal Reserve’s 25-basis-point rate reduction on October 29, 2025.

• We have found that, historically, interest rates on deposits do not change completely in tandem with the changes in the discount and federal funds rates. Overall, interest rates on deposits typically experience a lower degree of rate change than changes in market interest rates. This assumption is i…

• The FRB sets various benchmark rates, including the federal funds rate, and thereby influences the general market rates of interest, including the loan and deposit rates offered by financial institutions and the fair value of our available for sale securities. On September 17, 2025, and on October 2…