Financial insights of OPBK

MyFinsight

For the quarter ending 2025-09-30, OPBK made $74,457K in revenue. $6,703K in net income. Net profit margin of 9.00%.

Income Overview

Revenue
$74,457K
Net Income
$6,703K
Net Profit Margin
9.00%
EPS
$0.45
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2024-09-30	2024-06-30
Interest and fees on loans	35,001	34,263	31,885	30,605
Interest on afs debt securities	1,699	1,437	1,626	1,590
Other interest income	1,822	1,965	1,788	2,162
Total interest income	38,522	37,665	35,299	34,357
Interest on deposits	17,442	17,475	17,921	17,343
Interest on borrowings	734	469	872	820
Total interest expense	18,176	17,944	18,793	18,163
Net interest income	20,346	19,721	16,506	16,194
Provision for credit losses	1,175	1,206	448	617
Net interest income after provision for credit losses	19,171	18,515	16,058	15,577
Service charges on deposits	725	1,017	889	793
Loan servicing fees, net of amortization	724	900	693	575
Gains on sale of loans	2,037	1,441	2,088	2,325
Other income	644	610	570	491
Total noninterest income	4,130	3,968	4,240	4,184
Salaries and employee benefits	8,892	9,075	8,031	7,568
Occupancy and equipment	1,676	1,584	1,676	1,660
Data processing and communication	263	306	634	530
Professional fees	419	418	346	406
Fdic insurance and regulatory assessments	428	506	391	378
Promotion and advertising	126	232	151	151
Directors fees	151	198	154	178
Foundation donation and other contributions	671	636	549	539
Other expenses	1,003	1,082	788	779
Total noninterest expense	13,629	14,037	12,720	12,189
Income before income tax expense	9,672	8,446	7,578	7,572
Income tax expense	2,969	2,113	2,142	2,136
Net income	6,703	6,333	5,436	5,436

Average shares and dilutive potential common shares (in shares)	14,919,474	14,859,718	14,812,118	14,868,344
Basic earnings per share('eps') (usd per share)	0.45	0.42	0.36	0.36
Diluted eps (usd per share)	0.45	0.42	0.36	0.36
Weighted-average number of common shares outstanding (in shares)	14,885,614	14,859,718	14,812,118	14,868,344

MyFinsight

Income Overview

Revenue
$74,457K
Net Income
$6,703K
Net Profit Margin
9.00%
EPS
$0.45
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$74,457K
Net Income
$6,703K
Net Profit Margin
9.00%
EPS
$0.45
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$74,457KNet Income$6,703KNet Profit Margin9.00%EPS$0.45Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$74,457KNet Income$6,703KNet Profit Margin9.00%EPS$0.45Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$74,457K
Net Income
$6,703K
Net Profit Margin
9.00%
EPS
$0.45
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Revenue
$74,457K
Net Income
$6,703K
Net Profit Margin
9.00%
EPS
$0.45
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others