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OP Bancorp (OPBK)
OP Bancorp (OPBK)
Income Statement
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Cash Flow
|
Balance Sheet
|
Ratios
Balance Sheets Overview
Debt to Asset Ratio
91.30%
Unit: Thousand (K) dollars
Assets Breakdown
Net loans (net of allowance for ...
Available-for-sale ('afs') debt ...
Cash and cash equivalents
Others
Liabilities Breakdown
Time deposits greater than 250
Other time deposits
Noninterest-bearing
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
21,812
12,842
10,911
10,931
Interest-bearing deposits with banks
153,239
147,418
156,400
155,817
Cash and cash equivalents
175,051
160,260
167,311
166,748
Available-for-sale ('afs') debt securities, at fair value
202,506
209,006
192,785
200,760
Other investments
18,824
17,213
17,208
17,164
Loans held-for-sale
21,305
9,498
11,443
6,480
Gross loans
2,259,061
2,234,259
2,193,669
2,151,217
Allowance for credit losses
28,100
28,406
27,975
27,299
Net loans (net of allowance for credit losses on loans of 28,100 and 27,975)
2,230,961
2,205,853
2,165,694
2,123,918
Premises and equipment, net
5,298
5,516
5,744
6,995
Accrued interest receivable
10,172
10,683
10,482
10,337
Servicing assets
10,280
9,834
10,057
10,429
Company owned life insurance
23,975
23,794
23,616
23,437
Deferred tax assets, net
12,456
12,417
12,438
12,099
Other real estate owned ('oreo')
-
-
0
845
Operating right-of-use assets
7,732
8,253
8,804
9,347
Other assets
25,746
26,300
24,644
25,655
Total assets
2,744,306
2,698,627
2,650,226
2,614,214
Noninterest-bearing
552,300
546,550
520,865
543,972
Money market and others
426,501
398,756
388,066
402,891
Time deposits greater than 250
746,386
743,153
683,956
667,883
Other time deposits
643,152
638,835
687,660
658,671
Total deposits
2,368,339
2,327,294
2,280,547
2,273,417
Federal home loan bank ('fhlb') advances
75,000
75,000
75,000
75,000
Subordinated note (net of unamortized debt issuance cost of 371 and 414)
24,629
24,607
24,586
-
Accrued interest payable
15,949
15,181
14,595
15,968
Operating lease liabilities
9,865
10,508
11,175
11,826
Other liabilities
11,881
13,326
16,430
16,504
Total liabilities
2,505,663
2,465,916
2,422,333
2,392,715
Preferred stock no par value 10,000,000 shares authorized no shares issued or outstanding
0
0
0
0
Common stock no par value 50,000,000 shares authorized 14,926,750 and 14,889,540 shares issued and outstanding
73,018
73,018
73,018
72,984
Additional paid-in capital
12,128
11,995
11,849
11,658
Retained earnings
164,624
158,730
153,283
148,031
Accumulated other comprehensive income (loss) ('aoci'), net of tax
-11,127
-11,032
-10,257
-11,174
Total shareholders equity
238,643
232,711
227,893
221,499
Total liabilities and shareholders' equity
2,744,306
2,698,627
2,650,226
2,614,214
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Gross loans
$2,259,061K
(9.05%↑ Y/Y)
Interest-bearing deposits with
banks
$153,239K
(-18.83%↓ Y/Y)
Cash and due from
banks
$21,812K
(31.46%↑ Y/Y)
Net loans (net of
allowance for credit...
$2,230,961K
(9.08%↑ Y/Y)
Available-for-sale ('afs') debt
securities, at fair value
$202,506K
(15.72%↑ Y/Y)
Cash and cash
equivalents
$175,051K
(-14.77%↓ Y/Y)
Other assets
$25,746K
(-2.35%↓ Y/Y)
Company owned life
insurance
$23,975K
(3.08%↑ Y/Y)
Loans held-for-sale
$21,305K
(6.44%↑ Y/Y)
Other investments
$18,824K
(10.08%↑ Y/Y)
Deferred tax assets, net
$12,456K
(-1.40%↓ Y/Y)
Servicing assets
$10,280K
(-2.76%↓ Y/Y)
Accrued interest
receivable
$10,172K
(1.81%↑ Y/Y)
Operating right-of-use
assets
$7,732K
(-21.80%↓ Y/Y)
Premises and equipment,
net
$5,298K
(-22.68%↓ Y/Y)
Allowance for credit
losses
$28,100K
(206.90%↑ Y/Y)
Total assets
$2,744,306K
(7.05%↑ Y/Y)
Total liabilities and
shareholders' equity
$2,744,306K
(7.05%↑ Y/Y)
Total liabilities
$2,505,663K
(6.63%↑ Y/Y)
Total shareholders
equity
$238,643K
(11.66%↑ Y/Y)
Accumulated other
comprehensive income (loss)...
-$11,127K
(19.74%↑ Y/Y)
Total deposits
$2,368,339K
(5.04%↑ Y/Y)
Federal home loan bank
('fhlb') advances
$75,000K
(50.00%↑ Y/Y)
Subordinated note (net of
unamortized debt issuance...
$24,629K
Accrued interest
payable
$15,949K
(1.46%↑ Y/Y)
Other liabilities
$11,881K
(-30.87%↓ Y/Y)
Operating lease
liabilities
$9,865K
(-19.42%↓ Y/Y)
Retained earnings
$164,624K
(15.03%↑ Y/Y)
Common stock no par
value 50,000,000...
$73,018K
(0.05%↑ Y/Y)
Additional paid-in capital
$12,128K
(5.61%↑ Y/Y)
Time deposits
greater than 250
$746,386K
(16.02%↑ Y/Y)
Other time deposits
$643,152K
(4.67%↑ Y/Y)
Noninterest-bearing
$552,300K
(-2.37%↓ Y/Y)
Money market and
others
$426,501K
(-1.10%↓ Y/Y)
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