Every 10-Q that OP Bancorp (OPBK) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, 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 reported stronger results for the quarter ended June 30, 2026. Net income was $7.98 million versus $6.33 million a year earlier, and diluted EPS was $0.53 versus $0.42. Net interest income rose to $20.07 million, though net interest margin narrowed to 3.08% from 3.23% as funding costs remained elevated.
Total assets reached $2.74 billion, with gross loans of $2.26 billion and deposits of $2.37 billion, each up 3–4% from December 31, 2025. Noninterest income increased, helped by higher gains on loan sales. Asset quality remained sound with nonperforming loans at 0.76% of gross loans and an allowance equal to 1.24% of loans. Capital ratios were strong, including a consolidated common equity Tier 1 ratio of 10.98% and total risk-based capital ratio of 13.32%. The company plans to elect the Community Bank Leverage Ratio framework in the third quarter of 2026.
OP Bancorp reported stronger Q1 2026 results, with net income of $7.2 million, up 30% from $5.6 million a year earlier. Higher net interest income drove the improvement as loans and interest-earning assets grew and funding costs eased.
Net interest income rose 18% to $20.5 million and net interest margin expanded to 3.19%. Return on average assets was 1.08% and return on average equity was 12.56%. Total assets reached $2.70 billion, with gross loans of $2.23 billion and deposits of $2.33 billion.
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.