{"schema_version":"secwatch.filing_event.v1","accession":"0001722010-26-000018","form_type":"8-K","ticker":"OPBK","cik":"0001722010","company_name":"OP Bancorp","filed_at":"2026-07-23T20:28:43+00:00","discovered_at":"2026-07-23T20:30:00.221409+00:00","generated_at":"2026-07-23T20:30:21.280707+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"OP Bancorp Q2 net income $8.0M, EPS $0.53; declares $0.14 dividend","bullets":["Net income $8.0M ($0.53 diluted EPS) vs $7.2M ($0.48) Q1 2026 and $6.3M ($0.42) Q2 2025.","Revenue $25.7M, up 5% QoQ and 9% YoY; reversal of provision for credit losses of $149k.","Net interest margin 3.08% (down 11bps QoQ); noninterest income up 40% QoQ on higher SBA loan sales.","Loans $2.26B (+1% QoQ), deposits $2.37B (+2% QoQ); nonperforming loans fell to $17.3M.","Declared $0.14/share quarterly dividend, payable Aug 20, record Aug 6."],"urls":{"canonical":"https://secwatch.observer/filing/0001722010-26-000018","json":"https://secwatch.observer/filing/0001722010-26-000018.json","markdown":"https://secwatch.observer/filing/0001722010-26-000018.md","text":"https://secwatch.observer/filing/0001722010-26-000018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1722010/000172201026000018/0001722010-26-000018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1722010/000172201026000018/opbk-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:30:21.280707+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"}