{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-003119","form_type":"8-K","ticker":"OPBK","cik":"0001722010","company_name":"OP Bancorp","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.003342+00:00","generated_at":"2026-05-16T08:48:27.960707+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 Q4 net income $7.1M ($0.47 EPS); declares $0.12 dividend","bullets":["Net income $7.1M, diluted EPS $0.47 (vs $6.7M/$0.45 in Q3 2025 and $5.0M/$0.33 in Q4 2024).","Revenue $24.3M; net interest margin 3.25%, up 29 bps YoY from 2.96%.","Provision for credit losses $463k, down 61% QoQ; net loan recoveries 0.03% annualized.","Average loans grew 3% QoQ to $2.20B; average deposits up 2% to $2.26B.","Declared quarterly cash dividend $0.12/share, payable Feb 19 to holders of record Feb 5."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-003119","json":"https://secwatch.observer/filing/0001628280-26-003119.json","markdown":"https://secwatch.observer/filing/0001628280-26-003119.md","text":"https://secwatch.observer/filing/0001628280-26-003119.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1722010/000162828026003119/0001628280-26-003119-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1722010/000162828026003119/opbk-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:48:27.960707+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"}