OP Bancorp reports Q3 net income $6.7M ($0.45 EPS), NIM expands to 3.26%

OP Bancorp

2025-Q3 EPS reported $1.25 revenue$2,742,000

Net income $6.7M, diluted EPS $0.45, up 6% from Q2 2025 net income $6.3M ($0.42 EPS).
Revenue $24.5M (+3% QoQ), net interest margin 3.26% (+3 bps), efficiency ratio 55.68%.
Nonperforming loans $12.3M (0.57% of gross loans), up from $8.9M in Q2; criticized loans $28.1M.
Board declared $0.12/share quarterly dividend, payable Nov 20 to holders of record Nov 6.
Total loans $2.15B (+4% QoQ), total deposits $2.27B (+1% QoQ).

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