---
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"
generated_at: "2026-05-17T02:31:51.113251+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001722010-25-000011
- JSON: https://secwatch.observer/filing/0001722010-25-000011.json
- Plain text: https://secwatch.observer/filing/0001722010-25-000011.txt

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