{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-033006","form_type":"8-K","ticker":"OPBK","cik":"0001722010","company_name":"OP Bancorp","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.269684+00:00","generated_at":"2026-05-31T16:20:01.242601+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"OP Bancorp Q2 net income $5.4M, EPS $0.36; NIM down to 2.96%; loan growth 3.6%","bullets":["Net income $5.4M, diluted EPS $0.36, up 4% and 5.9% QoQ but down 10.8% and 7.7% YoY.","Net interest margin 2.96% vs 3.06% prior quarter, down 10 bps QoQ and 44 bps YoY.","Gross loans $1.87B (+3.6% QoQ); total deposits $1.94B (+2.4% QoQ).","Criticized loans 0.88% of gross loans vs 0.64% prior quarter; NPLs remain low at 0.23%.","Quarterly dividend of $0.12 per share declared, payable Aug 22, record Aug 8, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-033006","json":"https://secwatch.observer/filing/0001628280-24-033006.json","markdown":"https://secwatch.observer/filing/0001628280-24-033006.md","text":"https://secwatch.observer/filing/0001628280-24-033006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1722010/000162828024033006/0001628280-24-033006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1722010/000162828024033006/opbk-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:20:01.242601+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}