---
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"
generated_at: "2026-10-22T20:33:07.403456+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# OP Bancorp Q3 2026 net income $7.8M, EPS $0.52; declares $0.14 quarterly dividend

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1722010/000172201026000023/0001722010-26-000023-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1722010/000172201026000023/opbk-20261022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001722010-26-000023
- JSON: https://secwatch.observer/filing/0001722010-26-000023.json
- Plain text: https://secwatch.observer/filing/0001722010-26-000023.txt

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