{"schema_version":"secwatch.filing_event.v1","accession":"0001722010-26-000023","form_type":"8-K","ticker":"OPBK","cik":"0001722010","company_name":"OP Bancorp","filed_at":"2026-10-22T20:31:45+00:00","discovered_at":"2026-10-22T20:33:00.248834+00:00","generated_at":"2026-10-22T20:33:07.403456+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 Q3 2026 net income $7.8M, EPS $0.52; declares $0.14 quarterly dividend","bullets":["Net income $7.8M versus $8.0M in 2Q26 and $6.7M in 3Q25; diluted EPS $0.52 versus $0.53 and $0.45.","Net interest income rose 11% to $22.2M and net interest margin expanded 19 bps to 3.27%, helped by 4% growth in average loans.","Criticized loans jumped to $77.6M, or 3.39% of gross loans, from $33.4M, driven by four relationships totaling $41.5M, mostly CRE Special Mention.","Provision for credit losses was $1.6M versus a $149K reversal in 2Q26; net charge-offs were $821K, or 0.14% of average gross loans.","Board declared a $0.14 per share quarterly dividend payable November 19, 2026 to shareholders of record on November 5, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001722010-26-000023","json":"https://secwatch.observer/filing/0001722010-26-000023.json","markdown":"https://secwatch.observer/filing/0001722010-26-000023.md","text":"https://secwatch.observer/filing/0001722010-26-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1722010/000172201026000023/0001722010-26-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1722010/000172201026000023/opbk-20261022.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T20:33:07.403456+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"}