{"schema_version":"secwatch.filing_event.v1","accession":"0001722010-25-000011","form_type":"8-K","ticker":"OPBK","cik":"0001722010","company_name":"OP Bancorp","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.253313+00:00","generated_at":"2026-05-17T02:31:51.113251+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"OP Bancorp reports Q3 net income $6.7M ($0.45 EPS), NIM expands to 3.26%","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0001722010-25-000011","json":"https://secwatch.observer/filing/0001722010-25-000011.json","markdown":"https://secwatch.observer/filing/0001722010-25-000011.md","text":"https://secwatch.observer/filing/0001722010-25-000011.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1722010/000172201025000011/0001722010-25-000011-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1722010/000172201025000011/opbk-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:31:51.113251+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"}