Financial PerformanceOSBC's current NIM of 4.63% is over 100bp above small and mid cap peers, so despite greater than previously assumed NIM headwinds, margin at OSBC is still a relative strength.
ProfitabilityThe bank's conservative credit approach, superior deposit franchise and above peer profitability metrics remain intact.
Risk ManagementOSBC has successfully reduced non-performing assets by nearly 30% and narrowed net charge-offs since peak levels.