secwatch.observer — SEC 8-K summary
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Issuer:     OP Bancorp (OPBK)
CIK:        0001722010
Form:       8-K
Filed at:   2025-10-23T23:59:59+00:00
Accession:  0001722010-25-000011
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1722010/000172201025000011/0001722010-25-000011-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1722010/000172201025000011/opbk-20251023.htm
  HTML page:      https://secwatch.observer/filing/0001722010-25-000011

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