Oma Savings Bank's profit dropped in 2025 due to lower interest income, rising costs, and declining loans, despite a bond issuance and stable credit rating.

Oma Savings Bank reported a decline in profit before tax to €16.1 million for January–September 2025, down from €27.6 million, due to lower net interest income and rising expenses. The cost/income ratio rose to 50.1% amid personnel growth and branch expansion. Loan portfolios fell, particularly corporate loans by 17.9%, while deposits declined 0.7%. Impairment losses decreased, but credit quality remains under pressure. The bank strengthened solvency by issuing a €200 million bond with strong demand and confirmed efforts to reduce non-performing loans. S&P maintained its credit rating at BBB/A-2 but changed the outlook to negative due to rising NPLs. The bank emphasized customer satisfaction and employee engagement.