---
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"
generated_at: "2026-05-18T02:26:11.426695+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-035940
- JSON: https://secwatch.observer/filing/0001628280-25-035940.json
- Plain text: https://secwatch.observer/filing/0001628280-25-035940.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.