Earnings release
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Oregon Paci�c Bank is a wholly owned subsidiary of Oregon Paci�c Bancorp. Our stock is traded over the counter with the ticker symbol ORPB. CONSOLIDA TED ST A TEMENT OF CONDITION December 31, 2025
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Highlights: • F ourth quarter net income of $2.7 million; $0.37 per diluted share. • Quarterly tax equivalent net interest margin of 3.96%, expansion of 0.08% over prior quarter . • Quarterly return on average assets of 1.27%. • Annual net income of $8.6 million; $1.19 per diluted share. • Annual loan growth of $28.1 million or 4.91%. • Annual deposit growth of $22.7 million or 3.36%. • Named one of the 100 Best Companies to Work for in Oregon for 2026 by Oregon Business Magazine. Florence, Ore., January 27, 2026 - Oregon Paci�c Bancorp (ORPB), the holding company of Oregon Paci�c Bank, today reported net income of $2.7 million, or $0.37 per diluted share, for the quarter ended December 31, 2025, compared to $2.2 million or $0.31 per diluted share for the quarter ended September 30, 2025. On an annual basis the Bank reported 2025 net income of $8.6 million, or $1.19 per diluted share, compared to $7.5 million or $1.05 per diluted share for the year ending December 31, 2024. “We are very pleased with the Bank’s 2025 �nancial results, ” said Ron Green, President and CEO. “Throughout 2025 the Bank remained dedicated to our mission of supporting local business and nonpro�t clients. Through this focus the Bank achieved annual loan and deposit growth, which contributed to an increase in overall Bank pro�tability. ” The Bank’s fourth quarter net interest margin increased to 3.96%, up from 3.88% reported in the third quarter of 2025. The expansion was attributable to both an increase in yield on loans and a reduction in the cost of funds. Despite a 0.50% reduction in the prime rate occurring during the quarter , the reduction in yield on variable loans and securities was more than o�set by the increase in yield due to new loan production. The overall yield on loans increased to 5.80%, up from 5.73% in the third quarter of 2025. Quarterly loan production for new and renewed loans totaled $40.5 million, with a weighted average e�ective rate of 6.69%. Period-end deposits totaled $699.4 million, re�ecting quarterly contraction of $29.0 million. A portion of this reduction was due to deposit activity related to a terminating trust. T rust Assets Under Management (AUM) are typically invested in securities or real estate and do not appear on the Bank’s balance sheet. However , depending on bene�ciaries’ cash requirements and the timing of �nal distributions, some trust assets may be held in cash. Currently, the cash portion of all trust client balances is held at Oregon Paci�c Bank and protected by FDIC insurance through IntraFi’s Insured Cash Sweep (ICS) product. These cash balances are included in the Bank’s total interest-bearing demand deposits. At September 30, 2025, a terminating trust held $9.0 million in cash pending �nal distribution. During the fourth quarter these funds were paid to trust bene�ciaries, and this reduced Bank deposits by $9.0 million. Additional deposit migration occurred at year end following the Bank’s typical seasonal deposit �uctuations, primarily attributable to year-end distributions for large business clients. Classi�ed assets on December 31, 2025, totaled $13.1 million, and re�ected a decrease of $1.3 million from the third quarter of 2025. Classi�ed assets are de�ned as loans and loan contingent liabilities internally graded substandard or worse, impaired loans, adversely classi�ed securities and other real estate owned. The reduction in classi�ed assets was primarily attributable to a paydown on a substandard owner-occupied property and an upgrade of a multifamily loan. At December 31, 2025, nonperforming loans totaled $2.3 million, representing a quarterly increase of $1.8 million. The increase was attributable to the migration of two credits to nonaccrual status. The larger of the two non-accrual loans is a $1.6 million term loan fully secured with various pieces of equipment. The Bank is working on a resolution plan and currently does not anticipate any losses. The other loan is a $246 thousand commercial line of credit, which has a speci�c reserve of 100% in the December 31, 2025 allowance for credit losses, while the Bank evaluates potential impairment of the underlying collateral. Fourth quarter provision for credit losses totaled $346 thousand, while the provision for unfunded commitments re�ected a credit of $15 thousand. The increase in provision was driven by the quarterly loan growth and a speci�c reserve associated with a nonaccrual loan. Fourth quarter noninterest income grew to $2.3 million, re�ecting a $104 thousand increase compared to the prior quarter . The most signi�cant change was observed in trust fee income due to continued growth of trust AUM. Despite the terminating trust distribution, at December 31, 2025, trust AUM reached $297.7 million, re�ecting quarterly growth of $16.4 million and an annual increase of $26.7 million or 9.83% from December 31, 2024. T rust services continue to be a valuable source of noninterest income which the Bank anticipates continuing to grow throughout 2026. In the fourth quarter of 2025, noninterest expense totaled $6.3 million, re�ecting a decrease of $6 thousand compared to the previous quarter . On a linked quarter basis, salaries and employee bene�ts declined by $89 thousand primarily driven by a decrease in the o�cer bonus accrual, following a true-up process that aligned the accrual with updated year-end payout projections. O�setting a reduction in salaries and bene�t expense, trust expense grew $30 thousand during the quarter . The increase in trust expense was partially attributable to an overlap in trust accounting software as the Bank completed a core conversion of the trust accounting system e�ective November 1, 2025. As part of the conversion, the Bank continued to incur the cost of the prior trust software through December 31st which contributed to additional non-recurring expense of $41 thousand. Forward-Looking Statement Safe Harbor This release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (“PSLRA ”). These statements can be identi�ed by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “anticipates, ” “targets, ” “expects, ” “estimates, ” “intends, ” “plans, ” “goals, ” “believes” and other similar expressions or future or conditional verbs such as “will, ” “should, ” “would” and “could. ” The forward-looking statements made represent Oregon Paci�c Bank’s current estimates, projections, expectations, plans or forecasts of its future results and revenues, including but not limited to statements about performance, loan or deposit growth, loan prepayments, investment purchases, investment yields, strategic focus, capital position, liquidity, credit quality, special asset liquidation, noninterest income, noninterest expense and credit quality trends. These statements are not guarantees of future results or performance and involve certain risks, uncertainties and assumptions that are di�cult to predict and are often beyond Oregon Paci�c Bank’s control. Actual outcomes and results may di�er materially from those expressed in, or implied by, any of these forward-looking statements. Y ou should not place undue reliance on any forward-looking statement and should consider all of the following uncertainties and risks. Oregon Paci�c Bancorp undertakes no obligation to publicly revise or update any forward-looking statement to re�ect the impact of events or circumstances that arise after the date of this release. This statement is included for the express purpose of invoking the PSLRA ’s safe harbor provisions. Oregon Paci�c Bancorp Announces Fourth Quarter 2025 Earnings Results
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Florence, Ore., January 27, 2026 - Oregon Paci�c Bancorp (ORPB), the holding company of Oregon Paci�c Bank, today reported net income of $2.7 million, or $0.37 per diluted share, for the quarter ended December 31, 2025, compared to $2.2 million or $0.31 per diluted share for the quarter ended September 30, 2025. On an annual basis the Bank reported 2025 net income of $8.6 million, or $1.19 per diluted share, compared to $7.5 million or $1.05 per diluted share for the year ending December 31, 2024. “We are very pleased with the Bank’s 2025 �nancial results, ” said Ron Green, President and CEO. “Throughout 2025 the Bank remained dedicated to our mission of supporting local business and nonpro�t clients. Through this focus the Bank achieved annual loan and deposit growth, which contributed to an increase in overall Bank pro�tability. ” The Bank’s fourth quarter net interest margin increased to 3.96%, up from 3.88% reported in the third quarter of 2025. The expansion was attributable to both an increase in yield on loans and a reduction in the cost of funds. Despite a 0.50% reduction in the prime rate occurring during the quarter , the reduction in yield on variable loans and securities was more than o�set by the increase in yield due to new loan production. The overall yield on loans increased to 5.80%, up from 5.73% in the third quarter of 2025. Quarterly loan production for new and renewed loans totaled $40.5 million, with a weighted average e�ective rate of 6.69%. Period-end deposits totaled $699.4 million, re�ecting quarterly contraction of $29.0 million. A portion of this reduction was due to deposit activity related to a terminating trust. T rust Assets Under Management (AUM) are typically invested in securities or real estate and do not appear on the Bank’s balance sheet. However , depending on bene�ciaries’ cash requirements and the timing of �nal distributions, some trust assets may be held in cash. Currently, the cash portion of all trust client balances is held at Oregon Paci�c Bank and protected by FDIC insurance through IntraFi’s Insured Cash Sweep (ICS) product. These cash balances are included in the Bank’s total interest-bearing demand deposits. At September 30, 2025, a terminating trust held $9.0 million in cash pending �nal distribution. During the fourth quarter these funds were paid to trust bene�ciaries, and this reduced Bank deposits by $9.0 million. Additional deposit migration occurred at year end following the Bank’s typical seasonal deposit �uctuations, primarily attributable to year-end distributions for large business clients. Classi�ed assets on December 31, 2025, totaled $13.1 million, and re�ected a decrease of $1.3 million from the third quarter of 2025. Classi�ed assets are de�ned as loans and loan contingent liabilities internally graded substandard or worse, impaired loans, adversely classi�ed securities and other real estate owned. The reduction in classi�ed assets was primarily attributable to a paydown on a substandard owner-occupied property and an upgrade of a multifamily loan. At December 31, 2025, nonperforming loans totaled $2.3 million, representing a quarterly increase of $1.8 million. The increase was attributable to the migration of two credits to nonaccrual status. The larger of the two non-accrual loans is a $1.6 million term loan fully secured with various pieces of equipment. The Bank is working on a resolution plan and currently does not anticipate any losses. The other loan is a $246 thousand commercial line of credit, which has a speci�c reserve of 100% in the December 31, 2025 allowance for credit losses, while the Bank evaluates potential impairment of the underlying collateral. Fourth quarter provision for credit losses totaled $346 thousand, while the provision for unfunded commitments re�ected a credit of $15 thousand. The increase in provision was driven by the quarterly loan growth and a speci�c reserve associated with a nonaccrual loan. Fourth quarter noninterest income grew to $2.3 million, re�ecting a $106 thousand increase compared to the prior quarter . The most signi�cant change was observed in trust fee income due to continued growth of trust AUM. Despite the terminating trust distribution, at December 31, 2025, trust AUM reached $297.7 million, re�ecting quarterly growth of $16.4 million and an annual increase of $26.7 million or 9.83% from December 31, 2024. Trust services continue to be a valuable source of noninterest income which the Bank anticipates continuing to grow throughout 2026. In the fourth quarter of 2025, noninterest expense totaled $6.3 million, re�ecting a decrease of $ 7 thousand compared to the previous quarter. On a linke d q uarter basis, salaries and e mployee bene�ts declined by $89 thousand primarily driven by a decrease in the o�cer bonus accrual, following a true-up process that aligned the accrual with updated year-end payout projections. O�setting a reduction in salaries and bene�t expense, trust expense grew $30 thousand during the quarter . The increase in trust expense was partially attributable to an overlap in trust accounting software as the Bank completed a core conversion of the trust accounting system e�ective November 1, 2025. As part of the conversion , the Bank continued to incur the c ost of the prior trust software through December 31st which contributed to additional non-recurring expense of $41 thousand. Forward-Looking Statement Safe Harbor This release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (“PSLRA”). These statements can be identi�ed by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as “anticipates,” “targets,” “expects,” “estimates,” “intends,” “plans,” “goals,” “believes” and other similar expressions or future or conditional verbs such as “will, ” “should,” “would” and “could.” The forward-looking statements made represent Oregon Paci�c Bank’s current estimates, projections, expectations, plans or forecasts of its future results and revenues, including but not limited to statements about performance, loan or deposit growth, loan prepayments, investment purchases, investment yields, strategic focus, capital po sition, liquidity, credit quality, speci al asset l iquidation, noninterest income, noninterest expense and credit quality trends. These statements are not guarantees of future results or performance and involve certain risks, uncertainties and assumptions that are di�cult to predict and are often beyond Oregon Paci�c Bank’s control. Actual outcomes and results may di�er materially from those expressed in, or implied by, any of these forward-looking statements. You should not place undue reliance on any forward-looking statement and should consider all of the following uncertainties and risks. Oregon Paci�c Bancorp undertakes no obligation to publicly revise or update any forward-looking statement to re�ect the impact of events or circumstances that arise after the date of this release. This statement is included for the express purpose of invoking the PSLRA’s safe harbor provisions. (800) 997-7121 | (541) 997-7121 www.OregonPaci�cBank.comcontact@opbc.com
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December 31, September 30, December 31, 2025 2025 2024 ASSETS Cash and due from banks 11,722 $ 9,713 $ 9,521 $ Interest bearing deposits 16,663 42,274 10,921 Securities 155,159 162,012 155,258 Loans, net of deferred fees and costs 599,636 594,695 571,565 Allowance for credit losses (8,237) (7,891) (7,400) Premises and equipment, net 13,022 13,156 13,279 Bank owned life insurance 10,472 10,388 9,142 Other real estate owned 157 157 - Deferred tax asset 4,384 4,271 5,398 Other assets 9,238 8,866 8,764 Total assets 812,216$ 837,641 $ 776,448 $ LIABILITIES Deposits Demand - non-interest bearing 152,937 $ 167,010 $ 141,719 $ Demand - interest bearing 279,014 298,089 277,932 Money market 142,499 139,513 135,255 Savings 66,534 66,901 66,194 Certificates of deposit 48,366 46,882 45,516 Brokered deposits 10,001 10,001 10,001 Total deposits 699,351 728,396 676,617 FHLB borrowings 7,500 7,500 7,500 Junior subordinated debenture 4,124 4,124 4,124 Subordinated debenture 14,927 14,902 14,827 Other liabilities 8,502 8,280 8,090 Total liabilities 734,404 763,202 711,158 STOCKHOLDERS' EQUITY Common stock 21,923 21,809 21,612 Retained earnings 60,176 57,508 51,603 Accumulated other comprehensive income, net of tax (4,287) (4,878) (7,925) Total stockholders' equity 77,812 74,439 65,290 Total liabilities & stockholders' equity 812,216$ 837,641 $ 776,448 $ CONSOLIDATED BALANCE SHEETS Unaudited (dollars in thousands)
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December 31, December 31, December 31, December 31, 2025 2025 2024 2025 2024 INTEREST INCOME Loans 8,704 $ 8,552 $ 7,941 $ 33,400 $ 30,378 $ Securities 1,441 1,353 1,376 5,335 5,906 Other interest income 386 500 282 1,347 1,018 Total interest income 10,531 10,405 9,599 40,082 37,302 INTEREST EXPENSE Deposits 2,290 2,377 2,357 9,200 9,023 Borrowed funds 308 308 318 1,246 1,344 Total interest expense 2,598 2,685 2,675 10,446 10,367 NET INTEREST INCOME 7,933 7,720 6,924 29,636 26,935 Provision for credit losses on loans 346 505 - 1,015 331 Provision (credit) for unfunded commitments (15) 123 (30) 108 (25) Net interest income after provision for credit losses 7,602 7,092 6,954 28,513 26,629 NONINTEREST INCOME Trust fee income 1,276 1,137 1,135 4,704 4,001 Service charges 396 394 378 1,553 1,457 Mortgage loan sales 1 1 72 9 204 Merchant card services 144 172 125 556 519 Oregon Pacific Wealth Management income 358 366 349 1,420 1,301 Other income 116 115 96 463 457 Total noninterest income 2,291 2,185 2,155 8,705 7,939 NONINTEREST EXPENSE Salaries and employee benefits 3,612 3,701 3,418 15,158 14,337 Outside services 727 709 787 2,929 2,814 Occupancy & equipment 547 533 485 2,087 1,985 Trust expense 716 686 724 2,825 2,589 Loan and collection, OREO expense 19 18 16 63 70 Advertising 96 102 89 414 328 Supplies and postage 60 70 76 265 299 Other operating expenses 529 494 552 2,066 2,201 Total noninterest expense 6,306 6,313 6,147 25,807 24,623 Income before taxes 3,587 2,964 2,962 11,411 9,945 Provision for income taxes 921 752 744 2,840 2,424 NET INCOME 2,666$ 2,212 $ 2,218 $ 8,571 $ 7,521 $ TWELVE MONTHS ENDEDTHREE MONTHS ENDED September 30, CONSOLIDATED STATEMENTS OF INCOME Unaudited (dollars in thousands, except per share data)
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4th Quarter 3rd Quarter 2nd Qu arter 1st Quarter 4th Quarter 2025 2025 2025 2025 2024 Earnings Interest income 10,531 $ 10,405 $ 9,747 $ 9,399 $ 9,599 $ Interest expense 2,598 2,685 2,553 2,610 2,675 Net interest income 7,933 $ 7,720 $ 7,194 $ 6,789 $ 6,924 $ Provision for credit losses on loans 346 505 164 - - Provision (credit) for unfunded commitments (15) 123 - - (30) Noninterest income 2,291 2,185 2,086 2,143 2,155 Noninterest expense 6,306 6,313 6,490 6,698 6,147 Provision for income taxes 921 752 617 550 744 Net income 2,666 $ 2,212 $ 2,009 $ 1,684 $ 2,218 $ Average shares outstanding 7,163,160 7,163,503 7,164,363 7,151,365 7,136,389 Average diluted shares outstanding 7,188,902 7,189,245 7,190,105 7,170,304 7,154,126 Period end shares outstanding 7,162,985 7,163,503 7,164,144 7,164,470 7,138,259 Period end diluted shares outstanding 7,188,727 7,189,245 7,189,886 7,190,212 7,155,996 Earnings per share 0.37 $ 0.31 $ 0.28 $ 0.24 $ 0.31 $ Diluted earnings per share 0.37 $ 0.31 $ 0.28 $ 0.23 $ 0.31 $ Performance Ratios Return on average assets 1.27% 1.06% 1.02% 0.87% 1.12% Return on average equity 14.90% 12.58% 11.85% 10.42% 14.01% Net interest margin - tax equivalent 3.96% 3.88% 3.85% 3.67% 3.66% Yield on loans 5.80% 5.73% 5.65% 5.53% 5.55% Yield on securities 3. 46% 3.45% 3.39% 3.41% 3.31% Cost of deposits 1.26% 1.31% 1.31% 1.36% 1.36% Cost of interest-bearing liabilities 1.76% 1.83% 1.86% 1.88% 1.89% Efficiency ratio 61.68% 63.73% 69.94% 75.24% 67.71% Full-time equivalent employees 149 146 146 148 145 Capital Tier 1 capital 91,828 $ 91,563 $ 91,437 $ 90,548 $ 89,133 $ Leverage ratio 10.96% 10.99% 11.52% 11.40% 11.19% Common equity tier 1 ratio 14.69% 14.65% 14.82% 14.84% 14.86% Tier 1 risk based ratio 14.69% 14.65% 14.82% 14.84% 14.86% Total risk based ratio 15.94% 15.91% 16.07% 16.10% 16.11% Book value per share 10.86 $ 10.39 $ 9.93 $ 9.53 $ 9.12 $ Quarterly Highlights
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4th Quarter 3rd Quarter 2nd Quarter 1st Quarter 4th Quarter 2025 2025 2025 2025 2024 Asset quality Allowance for credit losses (ACL) 8,237 $ 7,891 $ 7,388 $ 7,400 $ 7,400 $ Nonperforming loans (NPLs) 2,338 $ 495 $ 495 $ 801 $ 798 $ Nonperforming assets (NPAs) 2,494 $ 652 $ 652 $ 801 $ 798 $ Classified Assets (1) 13,119$ 14,391 $ 11,271 $ 10,550 $ 8,132 $ Net loan charge offs (recoveries) - $ 1 $ 176 $ - $ - $ ACL as a percentage of net loans 1.37% 1.33% 1.25% 1.27% 1.29% ACL as a percentage of NPLs 352.31% 1594.14% 1492.53% 923.85% 927.32% Net charge offs (recoveries) to average loans 0.00% 0.00% 0.03% 0.00% 0.00% Net NPLs as a percentage of total loans 0.40% 0.08% 0.08% 0.14% 0.14% Nonperforming assets as a percentage of total assets 0.31% 0.08% 0.08% 0.10% 0.10% Classified Asset Ratio (2) 13.11% 14.47% 11.53% 10.77% 8.42% Past due as a percentage of total loans 0.17% 0. 12% 0.08% 0.11% 0.06% Off-balance sheet figures Unused credit commitments 98,660 $ 108,753 $ 103,063 $ 94,843 $ 98,616 $ Trust assets under management (AUM) 297,701 $ 281,281 $ 288,935 $ 267,359 $ 271,046 $ Oregon Pacific Wealth Management AUM 154,137 $ 181,349 $ 174,724 $ 172,729 $ 165,045 $ End of period balances Total securities 155,159 $ 162,012 $ 142,357 $ 145,610 $ 155,258 $ Total short term deposits 16,663 $ 42,274 $ 30,348 $ 27,625 $ 10,921 $ Total loans net of allowance 591,399 $ 586,804 $ 584,407 $ 575,539 $ 564,165 $ Total earning assets 773,409 $ 800,930 $ 766,445 $ 758,119 $ 739,677 $ Total assets 812,216 $ 837,641 $ 805,262 $ 797,628 $ 776,448 $ Total noninterest bearing deposits 152,937 $ 167,010 $ 162,426 $ 153,956 $ 141,719 $ Total brokered deposits 10,001 $ 10,001 $ 10,001 $ 10,001 $ 10,001 $ Total core deposits 689,350 $ 718,395 $ 689,740 $ 685,314 $ 666,616 $ Total deposits 699,351 $ 728,396 $ 699,741 $ 695,315 $ 676,617 $ Average balances Total securities 159,462 $ 153,603 $ 143,627 $ 150,197 $ 159,587 $ Total short term deposits 40,352 $ 44,423 $ 18,044 $ 23,766 $ 23,654 $ Total loans net of allowance 587,209 $ 584,102 $ 580,377 $ 568,635 $ 561,601 $ Total earning assets 796,948 $ 791,637 $ 751,538 $ 751,933 $ 754,173 $ Total assets 833,972 $ 827,823 $ 787,506 $ 787,201 $ 789,333 $ Total noninterest bearing deposits 164,736 $ 166,857 $ 158,985 $ 149,802 $ 152,844 $ Total brokered deposits 10,001 $ 10,001 $ 10,001 $ 10,001 $ 12,610 $ Total core deposits 712,607 $ 710,376 $ 672,711 $ 675,953 $ 676,900 $ Total deposits 722,608 $ 720,377 $ 682,712 $ 685,954 $ 689,510 $ (2) Classified asset ratio is defined as the sum of all loan-related contingent liabilities and loans internally graded substandard or worse, impaired loans (net of government Quarterly Highlights adversely classified securities, and other real estate owned, divided by bank Tier 1 capital, plus the allowance for credit losses. (1) Classified assets is defined as the sum of all loan-related contingent liabilities and loans internally graded substandard or worse, impaired loans (net of government guarantees), adversely classified securities, and other real estate owned.
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ABOUT OPB OUR MISSIONOregon Paci/f_ic Bancorp is the holding company for Oregon Paci/f_ic Bank, a community bank deeply rooted in fostering meaningful relationships. With a dedicated focus on businesses and nonpro/f_its, we prioritize personalized service and swift, local decision-making. Our commitment lies in cultivating authentic connections and consistently surpassing expectations. At Oregon Paci/f_ic Bank, we pride ourselves on being adept problem solvers, keenly attuned to the aspirations and challenges of our clients. We /f_irmly believe that by empowering businesses and nonpro/f_its to /f_lourish, we contribute to the overall prosperity of our communities. Since our inception on December 17, 1979, we have steadily expanded our footprint, proudly offering banking services through our full-service branches strategically located in Coos Bay, Eugene, Florence, Medford, Portland, and Roseburg. T o create value for all we serve through the delivery of meaningful and relevant financial services. OUR VISION T o be the premier business-minded community bank whose value to the community, shareholders, clients, and employees comes from supporting business and nonprofit agencies through banking services, volunteer work, and philanthropy.
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Jon Thompson Board Chair Business Owner , Coast Broadcasting BOARD OF DIRECTORS Joe Benetti Business Owner , Benetti’s Italian Fine Foods Tim Campbell Partner and Owner of Campbell Commercial Real Estate Ron Green President, Chief Executive Officer of Oregon Pacific Bank Jason Hall CPA Partner at Hoffman, Stewart & Schmidt, PC (HSS) Kerrie Johnson Vice Chair Owner, Loan Originator at Blue-inc. Capital Bob Mans, OD Co-Owner of Florence Eye Clinic Angelique Whitlow Chief Financial Officer at Hunter-Davisson, Inc Robbie Wright General Manager and Founder , Hyak
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Ron Green President, Chief Executive Officer OUR EXECUTIVE TEAM James Atwood EVP , Chief Credit Officer Amber White EVP , Chief Financial Officer Lance Rudge EVP , Chief Operating Officer John Raleigh EVP , Chief Lending Officer LEADERSHIP Our culture continues to be based on how we create value for those we serve, with our promise to deliver in the best interest of our shareholders, our clients, our employees, and the communities we serve. David Rice EVP , Director of Trust & Wealth Management