Oakworth Capital Inc. Reports Impressive Financial Growth
With a remarkable increase in diluted earnings per share of 24%, Oakworth Capital Inc. (OTCQX: OAKC) has demonstrated its strong financial performance for 2025. Scott Reed, Chairman and CEO of Oakworth, expressed his pride in the results, highlighting a consistent focus on client satisfaction. He 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 a 95% client retention rate."
Financial Performance Overview
For the fiscal year ending December 31, 2025, Oakworth reported several impressive financial metrics:
Income and Profitability Highlights
- Net income increased to $19.8 million, representing a 25% growth from the previous year's $15.8 million.
- Diluted earnings per share rose to $3.94, compared to $3.19 in 2024.
- Pre-tax pre-provision income improved to $29.6 million, a 25% increase from $23.7 million.
- Total revenue reached $82.7 million, marking a 17% increase from $70.8 million, fueled by a 20% increase in net interest income and a 13% growth in trust and wealth fees.
Non-Interest Expenses and Returns
While non-interest expenses rose by 13% to $53.1 million, Oakworth maintained solid returns on its equity and assets:
- Return on average equity (ROAE) stood at 14.4%.
- Return on average assets (ROAA) was recorded at 1.1%.
Wealth Management and Balance Sheet Strength
Oakworth's wealth management division has also shown promising growth:
Wealth Assets and Balance Sheet Growth
- Total wealth assets hit $2.7 billion, reflecting a growth of 17% from $2.3 billion.
- Loan growth averaged 12% year-over-year, reaching $1.6 billion, while deposits grew by 14% to $1.8 billion.
- Tangible book value per share is noted at $30.10.
Capital Adequacy and Credit Quality
Oakworth continues to prioritize safety and soundness with a robust capital position:
- Total risk-based capital ratio reported at 11.9%
- Common equity tier 1 (CET1) of 10.7% and tier 1 leverage at 9.3%.
About Oakworth Capital Inc.
Founded in 2008, Oakworth Capital Inc. functions as the bank holding company for Oakworth Capital Bank, providing a broad range of financial services including commercial and private banking, wealth management, and advisory services across the United States. With accolades such as ranking among American Banker's "Best Banks to Work for" for nine consecutive years, Oakworth continues to build a strong reputation in the financial sector.
The company has reported robust figures for total assets, which reached $2.0 billion, alongside gross loans of $1.6 billion and deposits of $1.8 billion, underscoring its steady growth trajectory. This highlights the effectiveness of its client-centric approach and operational strategy. More about the company can be found on its official website.
Frequently Asked Questions
What is the recent earnings per share growth for Oakworth Capital Inc.?
Oakworth Capital Inc. reported a 24% increase in diluted earnings per share, rising to $3.94 for 2025.
How did Oakworth Capital's net income change over the year?
Net income rose to $19.8 million, a 25% increase compared to $15.8 million in the previous year.
What were Oakworth's total assets by the end of 2025?
Total assets for Oakworth Capital Inc. were $2.0 billion at the end of 2025.
What awards has Oakworth Capital received recently?
Oakworth Capital has been recognized as one of the "Best Banks to Work for" for nine consecutive years.
What capital ratios did Oakworth report for 2025?
In 2025, Oakworth reported a total risk-based capital ratio of 11.9%, with a CET1 ratio of 10.7%.
