secwatch.observer — SEC 8-K summary
======================================

Issuer:     OP Bancorp (OPBK)
CIK:        0001722010
Form:       8-K
Filed at:   2026-01-22T23:59:59+00:00
Accession:  0001628280-26-003119
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1722010/000162828026003119/0001628280-26-003119-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1722010/000162828026003119/opbk-20260122.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-003119

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer