OP Bancorp reports Q2 2025 net income of $6.3M, EPS $0.42; NIM expands to 3.23%

OP Bancorp

2025-Q2 EPS reported $0.79 revenue$2,017,000

Net income $6.3M ($0.42 diluted EPS) vs $5.6M ($0.37) in Q1 2025 and $5.4M ($0.36) in Q2 2024.
Net interest margin improved to 3.23% from 3.01% QoQ and 2.96% YoY, driven by loan growth and lower deposit costs.
Gross loans grew to $2.07B (+1% QoQ, +11% YoY); total deposits up 3% QoQ to $2.25B.
Board declared $0.12 per share quarterly dividend, payable Aug 21, 2025 to holders of record Aug 7.
Credit quality stable with nonperforming loans at 0.43% of gross loans; allowance 1.27%.

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