---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-21-020862"
form_type: "8-K"
ticker: "OPBK"
cik: "0001722010"
company_name: "OP Bancorp"
filed_at: "2021-10-29T23:59:59+00:00"
generated_at: "2026-06-28T16:16:55.471397+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# OP Bancorp Q3 net income $8.3M, EPS $0.54, up 129% YoY; dividend raised 43% to $0.10

## Summary
- Net income $8.3M vs $3.6M prior year; diluted EPS $0.54 vs $0.23, up 135% YoY.
- Net interest margin expanded to 4.21% from 3.66%; net interest income $16.6M, up 45%.
- Reversal of provision for loan losses of $884K; nonperforming loans only 0.09% of gross loans.
- Quarterly dividend raised 43% to $0.10/share, payable Nov 25, record Nov 11.
- Return on average equity 21.30% vs 10.22%; book value $10.48, up 12% YoY.

## SEC filing metadata
- accession: 0001628280-21-020862
- form_type: 8-K
- ticker: OPBK
- cik: 0001722010
- company_name: OP Bancorp
- filed_at: 2021-10-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1722010/000162828021020862/0001628280-21-020862-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1722010/000162828021020862/opbk-20211028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-21-020862
- JSON: https://secwatch.observer/filing/0001628280-21-020862.json
- Plain text: https://secwatch.observer/filing/0001628280-21-020862.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.