{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-002390","form_type":"8-K","ticker":"OPBK","cik":"0001722010","company_name":"OP Bancorp","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.588920+00:00","generated_at":"2026-05-27T14:51:56.042380+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 Q4 net income $5.0M ($0.33 EPS), down 8.6% QoQ; NPL ratio rises to 0.40%","bullets":["Net income $5.0M, diluted EPS $0.33 vs $0.36 Q3 2024 and $0.34 a year ago; net interest margin 2.96%.","Provision for credit losses surged to $1.5M from $448K Q3, driven by higher qualitative and specific reserves.","Nonperforming loans doubled to $7.8M (0.40% of loans) from $3.6M (0.19%) Q3; criticized loans at 1.00%.","Total deposits $2.03B, down 1.8% QoQ; noninterest-bearing deposits fell 10.1% to $505M.","Quarterly dividend maintained at $0.12/share; book value per share $13.83."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-002390","json":"https://secwatch.observer/filing/0001628280-25-002390.json","markdown":"https://secwatch.observer/filing/0001628280-25-002390.md","text":"https://secwatch.observer/filing/0001628280-25-002390.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1722010/000162828025002390/0001628280-25-002390-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1722010/000162828025002390/opbk-20250123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T14:51:56.042380+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"}