{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-035940","form_type":"8-K","ticker":"OPBK","cik":"0001722010","company_name":"OP Bancorp","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.778094+00:00","generated_at":"2026-05-18T02:26:11.426695+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"OP Bancorp reports Q2 2025 net income of $6.3M, EPS $0.42; NIM expands to 3.23%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-035940","json":"https://secwatch.observer/filing/0001628280-25-035940.json","markdown":"https://secwatch.observer/filing/0001628280-25-035940.md","text":"https://secwatch.observer/filing/0001628280-25-035940.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1722010/000162828025035940/0001628280-25-035940-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1722010/000162828025035940/opbk-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:26:11.426695+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"}