---
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"
generated_at: "2026-07-23T20:30:21.280707+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# OP Bancorp Q2 net income $8.0M, EPS $0.53; declares $0.14 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001722010-26-000018
- JSON: https://secwatch.observer/filing/0001722010-26-000018.json
- Plain text: https://secwatch.observer/filing/0001722010-26-000018.txt

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