secwatch.observer — SEC 8-K summary
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Issuer:     OP Bancorp (OPBK)
CIK:        0001722010
Form:       8-K
Filed at:   2026-10-22T20:31:45+00:00
Accession:  0001722010-26-000023
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1722010/000172201026000023/0001722010-26-000023-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1722010/000172201026000023/opbk-20261022.htm
  HTML page:      https://secwatch.observer/filing/0001722010-26-000023

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