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Financial Statements — ORRF

Balance Sheet

(in billions USD)
MetricQ2 2026Q1 2026Q3 2025Q2 2025Q1 2025Q3 2024Q2 2024Q1 2024Q3 2023Q2 2023Q1 2023Q3 2022Q2 2022Q1 2022Q3 2021Q2 2021Q1 2021
Cash & Equivalents0.140.160.180.150.290.240.130.180.090.080.100.070.110.210.310.340.33
Net Loans & Leases----------------------2.061.991.961.921.93--
Total Assets5.615.585.475.395.445.473.203.183.053.013.012.852.822.902.872.912.96
Total Deposits4.624.634.534.524.634.652.702.702.552.522.522.512.482.552.502.492.55
Total Liabilities4.994.974.904.844.914.952.922.912.812.762.772.632.592.652.602.652.71
Retained Earnings0.220.200.170.150.140.120.130.120.110.110.100.080.090.080.070.070.06
Total Stockholder Equity0.620.600.570.550.530.520.280.270.240.250.240.220.240.250.270.270.25

Income Statement

(in millions USD) (except per-share rows)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Interest & Dividend Income74.7074.3676.2677.1274.8375.5280.0282.9943.2842.6540.0338.6936.9034.2832.1027.4225.3523.7923.9222.19
Interest Expense----------------17.1815.7714.0112.4710.537.984.611.961.231.221.321.57
Net Interest Income48.8349.0150.5350.9949.5148.7650.5751.7026.1026.8826.0226.2226.3826.2927.4825.4624.1222.5722.6020.62
Provision for Credit Losses0.340.730.080.400.21(0.55)2.620.140.400.300.421.261.130.730.591.501.780.301.100.37
Non-interest Income13.8415.5814.3913.3812.9211.6211.2512.397.176.636.495.937.166.086.236.067.197.477.297.65
Non-interest Expense37.6736.7337.3536.3037.6138.1842.9360.3022.6422.4722.3920.4520.7520.2621.2436.4118.7919.3620.2919.04
Pretax Income24.6627.5027.4927.6824.7022.7617.14(9.90)9.8210.749.7011.5612.3911.3911.89(6.40)10.7410.388.508.87
Tax Provision3.515.696.005.815.264.713.45(1.99)2.092.212.062.542.552.232.26(1.57)1.872.021.801.68
Net Income21.1621.8121.4921.8719.4518.0513.68(7.90)7.748.537.649.039.849.169.63(4.83)8.878.376.717.19
Basic EPS1.101.131.121.141.010.940.34(0.41)0.740.820.750.870.950.880.95(0.47)0.840.770.610.66
Diluted EPS1.091.121.111.131.010.930.35(0.41)0.730.810.740.870.940.870.94(0.47)0.830.760.600.65

Cash Flow Statement

(in millions USD)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Operating Cash Flow22.9525.5416.4922.8224.4810.958.367.506.4312.6713.708.3516.245.41(1.57)12.4718.656.6410.6010.38
Capital Expenditures0.550.420.620.510.792.321.120.360.040.060.520.271.260.250.090.330.240.240.360.89
Free Cash Flow*22.4025.1215.8722.3123.698.647.247.136.4012.6113.178.0814.995.17(1.66)12.1318.416.4110.239.49
Investing Cash Flow(52.42)(32.36)(98.25)(41.03)(82.55)39.8732.34101.96(63.93)(9.38)(25.77)(34.18)(36.69)(56.60)(73.48)(79.39)(41.17)(76.95)(68.79)11.04
Financing Cash Flow13.1818.1847.3952.98(79.67)(12.57)(28.61)(5.19)7.29114.27(17.70)44.45(1.55)88.6968.9421.94(79.81)75.84(44.51)(46.76)

* Derived from reported values

Dividends Per Share

(USD)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Dividends Per Share0.300.300.270.270.260.260.230.230.200.200.200.200.200.200.190.190.190.190.190.19