Welcome to our dedicated page for OP Bancorp SEC filings (Ticker: OPBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The OP Bancorp (NASDAQ: OPBK) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a California bank holding company for Open Bank. As an issuer with securities registered under the Securities Exchange Act of 1934, OP Bancorp files current reports on Form 8-K and other documents that describe its financial condition, capital actions, governance matters, and significant corporate events.
Recent Form 8-K filings include items on preliminary unaudited quarterly financial results, where the company reports net interest income, noninterest income, provision for credit losses, loan and deposit balances, and key performance ratios. Other 8-Ks cover dividend declarations on OP Bancorp’s common stock, stock repurchase program authorizations, outcomes of the annual meeting of shareholders, and the issuance of a fixed-to-floating rate subordinated note designed to qualify as Tier 2 capital, with proceeds intended to strengthen the Bank’s regulatory capital and support growth.
Through these filings, investors can review how OP Bancorp describes its general commercial banking business, its focus on small- and medium-sized businesses and ethnic minority communities, and its approach to capital and risk management. Stock Titan enhances this information with AI-powered summaries that highlight the main points of lengthy filings, helping readers quickly understand items such as financial results disclosures, capital instruments, and shareholder vote outcomes.
Users can reference this page to monitor OP Bancorp’s real-time submissions to the SEC, including future 10-K and 10-Q reports when filed, as well as Forms 8-K that announce material events. This creates a centralized view of OPBK’s regulatory history and ongoing reporting obligations.
OP Bancorp completed a private placement of $25 million fixed-to-floating rate subordinated notes due November 15, 2035. The notes pay a 7.50% fixed rate from issuance to, but excluding, November 15, 2030, with interest paid semi-annually on May 15 and November 15, beginning May 15, 2026.
After November 15, 2030 and until maturity or earlier redemption, the interest rate resets quarterly to the three-month term SOFR plus 411 basis points, with interest paid quarterly on February 15, May 15, August 15 and November 15. The company may redeem the notes, in whole or in part, at its option any time after the fifth anniversary of issuance, subject to required regulatory approvals.
The notes were issued without registration under Section 4(a)(2) and are designed to qualify as Tier 2 capital under applicable bank capital rules. OP Bancorp intends to use the net proceeds for general corporate purposes, including strengthening the regulatory capital of Open Bank and supporting growth.
OP Bancorp reported higher quarterly profitability and balance sheet growth for the period ended September 30, 2025. Net income rose to $6.7 million from $5.4 million a year ago, and diluted EPS was $0.45 versus $0.36. Net interest income increased to $20.3 million from $16.5 million, as loan yields and volumes supported earnings despite similar total interest expense.
Total assets reached $2.61 billion, up from $2.37 billion at year-end. Net loans grew to $2.12 billion from $1.93 billion, while deposits expanded to $2.27 billion from $2.03 billion, with noninterest-bearing balances at $544 million. The allowance for credit losses increased to $27.3 million and nonaccrual loans were $12.3 million. Accumulated other comprehensive loss improved to $(11.2) million from $(15.4) million. Shareholders’ equity rose to $221.5 million. The company declared a quarterly dividend of $0.12 per share. Subsequent event: on November 7, 2025, it completed a private offering of $25.0 million subordinated notes, fixed at 7.50% for five years, then floating at 3‑month SOFR plus 411 bps.
OP Bancorp reported two updates. The company furnished a press release with preliminary unaudited financial results for the quarter ended September 30, 2025, and posted an investor presentation for use with analysts and investors.
The Board declared a $0.12 per-share quarterly cash dividend on common stock, payable on November 20, 2025 to shareholders of record on November 6, 2025. The earnings press release (Exhibit 99.1), dividend press release (Exhibit 99.2), and earnings presentation (Exhibit 99.3) were furnished on October 23, 2025.
The company stated that the materials under Items 2.02, 7.01, and the dividend press release are furnished and not filed under the Exchange Act or Securities Act except as expressly incorporated by reference.
Form 4 Overview On 06/27/2025, Director Soo Hun Jung filed a Form 4 with the U.S. SEC disclosing the conversion of previously granted restricted stock units (RSUs) of OP Bancorp (ticker: OPBK).
Transaction specifics
- Transaction date: 06/26/2025
- Transaction code: M (conversion of derivative security)
- Securities acquired: 3,226 shares of common stock
- Price paid: $0, as RSUs convert 1-for-1
- Resulting direct ownership: 245,214 common shares
Derivative security details The RSUs were granted on 06/27/2024 and vested on 06/26/2025, automatically converting into an equal number of common shares.
Ownership context The additional shares increase the director’s directly held position by roughly 1.3%, reinforcing equity alignment but representing a minimal fraction of OP Bancorp’s total shares outstanding. No shares were sold and no option-like instruments remain from this grant.
No earnings data, operational updates, or other corporate events were included in this filing. The disclosure appears routine and does not signal any change in the company’s fundamentals.
OP Bancorp (OPBK) Form 4 filing dated June 27, 2025 reports an insider transaction by director Brian Choi. On June 26, 2025 Mr. Choi exercised 4,516 previously granted Restricted Stock Units (RSUs) that vested the same day, receiving an equal number of common shares at a stated price of $0 under code “M” (conversion of derivative security). The RSUs were originally granted on June 27, 2024.
Following the conversion Mr. Choi’s direct beneficial ownership increased to 1,308,078 common shares. No derivative securities remain from this award. The filing does not reference open-market purchases or sales, cash proceeds, or additional equity plans; it solely reflects the automatic settlement of a one-year vesting award. No other classes of securities were affected and there is no indication of a Rule 10b5-1 trading plan.
For investors, the filing shows (1) continued board-level equity alignment through a modest increase in stock ownership, and (2) no disposition of shares that could signal negative sentiment. Given the small size of the award relative to existing holdings and OP Bancorp’s public float, the transaction is unlikely to have a material impact on share supply-demand dynamics.
OP Bancorp (NASDAQ: OPBK) reported the voting results of its 26 June 2025 Annual Meeting on Form 8-K. Shareholder turnout was 74.50% of the 14.85 million shares outstanding, with 11.06 million votes cast.
Director elections (Proposal 1): All seven nominees were re-elected for one-year terms with support ranging from 96.4% to 99.3% of votes cast. The highest support went to Myung Shin Sohn (8.87 M for; 61 k withheld).
Executive compensation (Proposal 2): The 2024 “Say-on-Pay” resolution passed with 96.5% approval (8.57 M for; 0.30 M against; 0.06 M abstain).
Frequency of Say-on-Pay (Proposal 3): A one-year voting cycle was preferred by 92.7% of shares voted (8.54 M), significantly above the alternatives of two years (2.5 k) or three years (0.38 M).
Auditor ratification (Proposal 4): Crowe LLP was re-appointed with overwhelming 99.1% support (10.96 M for; 0.10 M against).
No additional matters were brought before shareholders. The results signal continued investor confidence in the current board, executive pay structure, and external auditor, with no immediate governance controversies disclosed.
OP Bancorp CEO Sang Kyo Oh exercised 9,000 restricted stock units (RSUs) on June 24, 2025, converting them to common stock at a price of $12.25 per share. This transaction was part of a previously granted RSU award from June 24, 2021, which included 45,000 RSUs vesting in five equal annual installments.
Following the transaction, Oh now directly owns 36,000 shares of common stock and retains 9,000 RSUs. This exercise represents the standard vesting of executive compensation and is part of the company's long-term incentive plan for senior management.
- Transaction Type: RSU conversion to common stock (Code M)
- Total Transaction Value: $110,250
- Original Grant Date: June 24, 2021
- Vesting Schedule: 20% annually over 5 years
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