---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-22-027286"
form_type: "8-K"
ticker: "OPBK"
cik: "0001722010"
company_name: "OP Bancorp"
filed_at: "2022-10-28T23:59:59+00:00"
generated_at: "2026-06-22T22:47:09.285211+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 $8.7M, EPS $0.55; dividend raised 20% to $0.12/share

## Summary
- Net income of $8.7M, up 5% YoY; diluted EPS $0.55 vs $0.54.
- Net interest income $20.3M (+23%); net interest margin 4.31% (up from 4.21%).
- Total loans $1.65B (+25%); total deposits $1.82B (+21%).
- Quarterly dividend increased 20% to $0.12/share, payable Nov 24 to holders of record Nov 10.
- CET1 ratio 11.92%; nonperforming loans only 0.14% of gross loans.

## SEC filing metadata
- accession: 0001628280-22-027286
- form_type: 8-K
- ticker: OPBK
- cik: 0001722010
- company_name: OP Bancorp
- filed_at: 2022-10-28T23:59:59+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/1722010/000162828022027286/0001628280-22-027286-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1722010/000162828022027286/opbk-20221027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-22-027286
- JSON: https://secwatch.observer/filing/0001628280-22-027286.json
- Plain text: https://secwatch.observer/filing/0001628280-22-027286.txt

## Key facts
- Earnings Releases
  OP Bancorp reported the third quarter ended September 30, 2022 results: net income $8.7 million, EPS $0.55.
  - Period: the third quarter ended September 30, 2022
  - Net income: $8.7 million
  - EPS: $0.55
  - Result: preliminary results
  source text: OP BANCORP REPORTS NET INCOME FOR 2022 THIRD QUARTER OF $8.7 MILLION AND DILUTED EARNINGS PER SHARE OF $0.55
  evidence_url: https://www.sec.gov/Archives/edgar/data/1722010/000162828022027286/0001628280-22-027286-index.htm

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