---
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"
generated_at: "2026-05-16T08:48:27.960707+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# OP Bancorp Q4 net income $7.1M ($0.47 EPS); declares $0.12 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1722010/000162828026003119/0001628280-26-003119-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1722010/000162828026003119/opbk-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-003119
- JSON: https://secwatch.observer/filing/0001628280-26-003119.json
- Plain text: https://secwatch.observer/filing/0001628280-26-003119.txt

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