OP Bancorp (OPBK)
OP Bancorp (OPBK)
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 12,842 | 10,911 | 10,931 | 16,592 |
| Interest-bearing deposits with banks | 147,418 | 156,400 | 155,817 | 188,796 |
| Cash and cash equivalents | 160,260 | 167,311 | 166,748 | 205,388 |
| Available-for-sale ('afs') debt securities, at fair value | 209,006 | 192,785 | 200,760 | 175,000 |
| Other investments | 17,213 | 17,208 | 17,164 | 17,101 |
| Loans held-for-sale | 9,498 | 11,443 | 6,480 | 20,016 |
| Gross loans | 2,234,259 | 2,193,669 | 2,151,217 | NaN |
| Allowance for credit losses | 28,406 | 27,975 | 27,299 | NaN |
| Net loans (net of allowance for credit losses on loans of 28,406 and 27,975) | 2,205,853 | 2,165,694 | 2,123,918 | 2,045,294 |
| Premises and equipment, net | 5,516 | 5,744 | 6,995 | 6,852 |
| Accrued interest receivable | 10,683 | 10,482 | 10,337 | 9,991 |
| Servicing assets | 9,834 | 10,057 | 10,429 | 10,572 |
| Company owned life insurance | 23,794 | 23,616 | 23,437 | 23,259 |
| Deferred tax assets, net | 12,417 | 12,438 | 12,099 | 12,633 |
| Other real estate owned ('oreo') | NaN | 0 | 845 | 1,237 |
| Operating right-of-use assets | 8,253 | 8,804 | 9,347 | 9,887 |
| Other assets | 26,300 | 24,644 | 25,655 | 26,365 |
| Total assets | 2,698,627 | 2,650,226 | 2,614,214 | 2,563,595 |
| Noninterest-bearing | 546,550 | 520,865 | 543,972 | 565,683 |
| Money market and others | 398,756 | 388,066 | 402,891 | 431,252 |
| Time deposits greater than 250 | 743,153 | 683,956 | 667,883 | 643,350 |
| Other time deposits | 638,835 | 687,660 | 658,671 | 614,443 |
| Total deposits | 2,327,294 | 2,280,547 | 2,273,417 | 2,254,728 |
| Federal home loan bank ('fhlb') advances | 75,000 | 75,000 | 75,000 | 50,000 |
| Subordinated note (net of unamortized debt issuance cost of 392 and 414) | 24,607 | 24,586 | NaN | NaN |
| Accrued interest payable | 15,181 | 14,595 | 15,968 | 15,720 |
| Operating lease liabilities | 10,508 | 11,175 | 11,826 | 12,243 |
| Other liabilities | 13,326 | 16,430 | 16,504 | 17,186 |
| Total liabilities | 2,465,916 | 2,422,333 | 2,392,715 | 2,349,877 |
| 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 14,894,239 and 14,889,540 shares issued and outstanding | 73,018 | 73,018 | 72,984 | 72,984 |
| Additional paid-in capital | 11,995 | 11,849 | 11,658 | 11,484 |
| Retained earnings | 158,730 | 153,283 | 148,031 | 143,114 |
| Accumulated other comprehensive loss, net of tax | -11,032 | -10,257 | -11,174 | -13,864 |
| Total shareholders equity | 232,711 | 227,893 | 221,499 | 213,718 |
| Total liabilities and shareholders' equity | 2,698,627 | 2,650,226 | 2,614,214 | 2,563,595 |