{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-23-025957","form_type":"8-K","ticker":"OPBK","cik":"0001722010","company_name":"OP Bancorp","filed_at":"2023-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.991211+00:00","generated_at":"2026-06-13T00:40:33.353993+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"OP Bancorp Q2 2023 net income $6.1M ($0.39 EPS), down 28% YoY; NIM 3.40% vs 4.21%; $0.12 dividend","bullets":["Net income $6.1M ($0.39 diluted EPS) vs $8.5M ($0.54) in Q2 2022; net interest income $17.3M vs $19.1M.","Net interest margin 3.40% vs 4.21% a year ago; no provision for credit losses vs $996K provision in Q2 2022.","Gross loans $1.7B (+16% YoY), total deposits $1.9B (+7% YoY); book value per share $12.16 vs $11.16.","Nonperforming loans 0.20% of gross loans vs 0.12% a year ago; criticized loans 0.44% vs 0.18%.","Declared quarterly cash dividend of $0.12 per share, payable Aug 24, 2023 to holders of record Aug 10."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-23-025957","json":"https://secwatch.observer/filing/0001628280-23-025957.json","markdown":"https://secwatch.observer/filing/0001628280-23-025957.md","text":"https://secwatch.observer/filing/0001628280-23-025957.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1722010/000162828023025957/0001628280-23-025957-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1722010/000162828023025957/opbk-20230727.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T00:40:33.353993+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"6e2d0ac010ecab155ec6d6f421110428a49cab36","claim":"OP Bancorp reported the second quarter ended June 30, 2023 results: net income $6.1 million, EPS $0.39 per diluted common share.","evidence_excerpt":"OP BANCORP REPORTS NET INCOME FOR 2023 SECOND QUARTER OF $6.1 MILLION AND DILUTED EARNINGS PER SHARE OF $0.39","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1722010/000162828023025957/0001628280-23-025957-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter ended June 30, 2023"},{"label":"Net income","value":"$6.1 million"},{"label":"EPS","value":"$0.39 per diluted common share"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}