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Income Statement
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Cash Flow
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Balance Sheet
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Ratios
Income Overview
Revenue
$515K
Net Income
$7,978K
Net Profit Margin
1549.13%
EPS
$0.53
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Service charges on deposits
515
463
591*
725
Loan servicing fees, net of amortization
974
722
845*
724
Gains on sale of loans
3,370
2,050
1,853*
2,037
Other income
792
797
896*
644
Total noninterest income
5,651
4,032
4,185*
4,130
Interest and fees on loans
35,731
34,879
40,602*
35,001
Interest on afs debt securities
1,824
1,761
1,608*
1,699
Other interest income
638
1,897
1,462*
1,822
Total interest income
38,193
38,537
43,671*
38,522
Interest on deposits
16,891
16,845
16,682*
17,442
Interest on borrowings
744
679
1,049*
734
Interest on subordinated note
490
490
70*
-
Total interest expense
18,125
18,014
17,800*
18,176
Net interest income
20,068
20,523
25,871*
20,346
(reversal of) provision for credit losses
-149
412
9*
1,175
Net interest income after provision for credit losses
20,217
20,111
25,862*
19,171
Salaries and employee benefits
9,733
9,276
9,037*
8,892
Occupancy and equipment
1,901
1,811
1,870*
1,676
Data processing and communication
380
411
603*
263
Professional fees
454
399
538*
419
Fdic insurance and regulatory assessments
387
418
382*
428
Promotion and advertising
104
120
-32*
126
Directors fees
164
144
154*
151
Foundation donation and other contributions
811
725
610*
671
Other expenses
892
929
1,115*
1,003
Total noninterest expense
14,826
14,233
14,274*
13,629
Income before income tax expense
11,042
9,910
15,773
9,672
Income tax expense
3,064
2,676
-
2,969
Net income
7,978
7,234
-
6,703
Basic EPS
0.54
0.49
1.061
0.45
Diluted EPS
0.53
0.48
1.056
0.45
Basic Average Shares
14,903,398
14,890,929
14,871,955
14,885,614
Diluted Average Shares
14,942,130
14,930,173
14,938,970
14,919,474
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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Income Statement
Interest and fees on loans
$35,731K
(4.28%↑ Y/Y)
Interest on afs debt
securities
$1,824K
(26.93%↑ Y/Y)
Other interest income
$638K
(-67.53%↓ Y/Y)
Total interest income
$38,193K
(1.40%↑ Y/Y)
Net interest income
$20,068K
(1.76%↑ Y/Y)
(reversal of) provision
for credit losses
-$149K
(-112.35%↓ Y/Y)
Gains on sale of loans
$3,370K
(133.87%↑ Y/Y)
Loan servicing fees,
net of amortization
$974K
(8.22%↑ Y/Y)
Other income
$792K
(29.84%↑ Y/Y)
Service charges on
deposits
$515K
(-49.36%↓ Y/Y)
Total interest
expense
$18,125K
(1.01%↑ Y/Y)
Net interest income
after provision for...
$20,217K
(9.19%↑ Y/Y)
Total noninterest
income
$5,651K
(42.41%↑ Y/Y)
Interest on deposits
$16,891K
(-3.34%↓ Y/Y)
Interest on borrowings
$744K
(58.64%↑ Y/Y)
Interest on subordinated
note
$490K
Income before income
tax expense
$11,042K
(30.74%↑ Y/Y)
Total noninterest
expense
$14,826K
(5.62%↑ Y/Y)
Net income
$7,978K
(25.98%↑ Y/Y)
Income tax expense
$3,064K
(45.01%↑ Y/Y)
Salaries and employee
benefits
$9,733K
(7.25%↑ Y/Y)
Occupancy and equipment
$1,901K
(20.01%↑ Y/Y)
Other expenses
$892K
(-17.56%↓ Y/Y)
Foundation donation and
other contributions
$811K
(27.52%↑ Y/Y)
Professional fees
$454K
(8.61%↑ Y/Y)
Fdic insurance and
regulatory assessments
$387K
(-23.52%↓ Y/Y)
Data processing and
communication
$380K
(24.18%↑ Y/Y)
Directors fees
$164K
(-17.17%↓ Y/Y)
Promotion and advertising
$104K
(-55.17%↓ Y/Y)
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OP Bancorp (OPBK)
OP Bancorp (OPBK)