---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-22-001445"
form_type: "8-K"
ticker: "OPBK"
cik: "0001722010"
company_name: "OP Bancorp"
filed_at: "2022-01-28T23:59:59+00:00"
generated_at: "2026-06-27T14:17:56.529893+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# OP Bancorp Q4 2021 net income $9.1M record, EPS $0.59; dividend raised 43% to $0.10

## Summary
- Net income of $9.1M up 140% YoY; diluted EPS $0.59 up 136%; record quarterly results.
- Net interest income $17.1M (+40% YoY); NIM expanded to 4.07% from 3.73%.
- Total deposits $1.53B (+28% YoY); noninterest-bearing deposits 51% of total (up from 44%).
- Return on average assets 2.11% (up from 1.13%); efficiency ratio improved to 39.34%.
- Quarterly cash dividend increased 43% to $0.10 per share; payable Feb 24, 2022.

## SEC filing metadata
- accession: 0001628280-22-001445
- form_type: 8-K
- ticker: OPBK
- cik: 0001722010
- company_name: OP Bancorp
- filed_at: 2022-01-28T23:59:59+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/1722010/000162828022001445/0001628280-22-001445-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1722010/000162828022001445/opbk-20220127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-22-001445
- JSON: https://secwatch.observer/filing/0001628280-22-001445.json
- Plain text: https://secwatch.observer/filing/0001628280-22-001445.txt

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