Here are the 10-K annual reports from OP Bancorp (OPBK) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow OPBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full OPBK filings page.
OP Bancorp, the holding company for Open Bank, is a Los Angeles‑based community bank focused on small and medium‑sized businesses and Korean‑American customers. It operates twelve full‑service branches across California, Texas and Nevada plus five loan production offices in several other states.
The company offers diversified lending across CRE, C&I, SBA, residential mortgage, warehouse and consumer loans, funded primarily by core deposits. It emphasizes a faith‑based, relationship‑banking culture and has committed to contribute 10% of consolidated after‑tax net income annually to the Open Stewardship Foundation, donating about $22.1 million through December 31, 2025. Key risks include geographic and sector concentration, CRE exposure, reliance on SBA programs, cybersecurity and third‑party vendors, intense competition, regulatory burden, interest‑rate and liquidity pressures, and a perpetual coexistence agreement that limits use of the “Open Bank” name outside specified U.S. markets.