OP Bancorp (OPBK)
OP Bancorp (OPBK)
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Dividends from bank subsidiary | NaN | 7,686 | NaN | NaN |
| Total noninterest expense | NaN | 1,306 | NaN | NaN |
| Income before income tax expense | NaN | 6,380 | NaN | NaN |
| Income tax benefit | NaN | -254 | NaN | NaN |
| Equity in undistributed income of bank subsidiary | NaN | 19,001 | NaN | NaN |
| Amortization of servicing assets | NaN | NaN | NaN | 1,513 |
| Net income | 7,234 | 7,039 | 6,703 | 11,893 |
| Provision for credit losses | 412 | 463 | 1,175 | 1,942 |
| Deferred income tax expense | 330 | -674 | -532 | 1,287 |
| Net change in fair value of equity investment with readily determinable fair value | NaN | NaN | NaN | 64 |
| Depreciation, amortization and accretion, net | 2,067 | 1,631 | 4,892 | 741 |
| Amortization of low income housing partnerships | NaN | NaN | NaN | 1,062 |
| Gains on sale of loans | 2,050 | 1,573 | 2,037 | 3,460 |
| Accretion of net discounts on loans | NaN | NaN | NaN | 724 |
| Stock-based compensation | 180 | 212 | 174 | 313 |
| Earnings on company owned life insurance | 178 | 179 | 178 | 347 |
| Oreo valuation adjustment and loss on sale | NaN | -56 | NaN | NaN |
| Valuation of oreo | NaN | NaN | -39 | NaN |
| Proceed from oreo sale | NaN | 829 | NaN | NaN |
| Origination of loans held-for-sale | 31,596 | 34,566 | 24,546 | 73,911 |
| Proceeds from sales of loans held-for-sale | 34,877 | 30,543 | 39,276 | 60,685 |
| Amortization of net premiums on securities | NaN | NaN | NaN | 4 |
| Accrued interest receivable and other assets | 2,308 | -875 | 753 | 2,402 |
| Accrued interest payable and other liabilities | -1,251 | -1,062 | 1,523 | 129 |
| Net cash provided by operating activities | 7,717 | 3,555 | 23,945 | -1,339 |
| Net change in loans receivable | 40,021 | 17,854 | 79,249 | 114,456 |
| Proceeds from matured, called, or paid-down afs debt securities | 11,783 | 9,038 | 7,564 | 14,118 |
| Purchase of loans | 0 | 23,723 | 0 | NaN |
| Purchase of fhlb stock | NaN | 0 | 1 | 540 |
| Purchase of afs debt securities | 29,706 | 0 | 29,623 | 0 |
| Purchase of premises and equipment, net | 114 | 103 | 554 | 2,144 |
| Proceeds from issuance of subordinated note, net of cost | NaN | 24,574 | NaN | NaN |
| Net change in investments in low-income housing partnerships | 1,636 | 253 | 2,625 | 2,607 |
| Repurchase of common stock | NaN | -7 | 0 | 713 |
| Net cash used in investing activities | -59,694 | -32,895 | -104,488 | -105,629 |
| Net change in deposits | 46,747 | 7,130 | 18,689 | 227,443 |
| Proceeds from stock option exercise | NaN | 0 | 0 | 0 |
| Proceeds from fhlb advances | 25,000 | 0 | 75,000 | 50,000 |
| Repayment of fhlb advances | 25,000 | 0 | 50,000 | 95,000 |
| Cash dividend paid on common stock | 1,787 | 1,787 | 1,786 | 3,560 |
| Payments related to tax-withholding for vested restricted stock awards | 34 | 21 | 0 | 757 |
| Net cash provided by financing activities | 44,926 | 29,903 | 41,903 | 177,413 |
| Net change in cash and cash equivalents | -7,051 | 563 | -38,640 | 70,445 |
| Cash and cash equivalents at beginning of period | 167,311 | 166,748 | 134,943 | NaN |
| Cash and cash equivalents at end of period | 160,260 | 167,311 | 166,748 | NaN |