OP Bancorp (FRA:OP3)

OP Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	205.39	134.94	91.22	82.97	115.46	106.31
Investment Securities	28.21	24.62	26.36	15.64	3.8	4.87
Mortgage-Backed Securities	169.68	180.12	188.34	209.81	150.44	90.79
Total Investments	197.89	204.73	214.7	225.45	154.25	95.66
Gross Loans	2,072	1,957	1,766	1,678	1,314	1,100
Allowance for Loan Losses	-26.29	-24.8	-21.99	-19.24	-16.12	-15.35
Net Loans	2,045	1,932	1,744	1,659	1,298	1,084
Property, Plant & Equipment	16.74	12.86	13.75	13.5	13.26	11.33
Loans Held for Sale	20.02	4.58	1.8	44.34	89.43	26.66
Accrued Interest Receivable	9.99	9.19	8.26	7.18	4.58	3.99
Long-Term Deferred Tax Assets	12.63	14.89	13.31	14.32	8.41	5.24
Other Real Estate Owned & Foreclosed	1.24	1.24	-	-	-	-
Other Long-Term Assets	41.25	38.9	48.33	39.22	36.41	27.21
Total Assets	2,564	2,366	2,148	2,094	1,727	1,367
Interest Bearing Deposits	1,046	956.54	850.92	827.99	552.02	477.13
Institutional Deposits	643.35	565.81	433.89	356.2	207.29	200.21
Non-Interest Bearing Deposits	565.68	504.93	522.75	701.58	774.75	522.75
Total Deposits	2,255	2,027	1,808	1,886	1,534	1,200
Short-Term Borrowings	0.95	-	-	-	-	5
Current Portion of Long-Term Debt	-	95	-	-	-	-
Current Portion of Leases	-	2	-	-	-	-
Accrued Interest Payable	15.72	16.07	12.63	2.77	0.56	1.02
Federal Home Loan Bank Debt, Long-Term	50	-	105	-	-	-
Long-Term Leases	12.24	5.86	9.34	10.21	10.31	8.43
Other Long-Term Liabilities	16.24	14.81	20.58	18.83	16.54	8.92
Total Liabilities	2,350	2,161	1,955	1,918	1,561	1,223
Common Stock	72.98	73.7	76.28	79.33	78.72	78.66
Additional Paid-In Capital	11.48	11.93	10.94	9.74	8.65	8.52
Retained Earnings	143.11	134.78	120.86	105.69	79.06	55.35
Comprehensive Income & Other	-13.86	-15.41	-15.45	-17.84	-1.2	0.84
Shareholders' Equity	213.72	204.99	192.63	176.92	165.22	143.37
Total Liabilities & Equity	2,564	2,366	2,148	2,094	1,727	1,367
Total Debt	63.19	102.86	114.34	10.21	10.31	13.43
Net Cash (Debt)	142.31	32.19	-23.03	72.85	105.25	92.98
Net Cash Growth	3940.63%	-	-	-30.78%	13.20%	22.48%
Net Cash Per Share	9.59	2.16	-1.52	4.78	6.94	6.11
Filing Date Shares Outstanding	14.89	14.91	14.96	15.34	15.14	15.03
Total Common Shares Outstanding	14.89	14.82	15	15.27	15.14	15.02
Book Value Per Share	14.36	13.83	12.84	11.59	10.91	9.55
Tangible Book Value	213.72	204.99	192.63	176.92	165.22	143.37
Tangible Book Value Per Share	14.36	13.83	12.84	11.59	10.91	9.55

Source: S&P Global Market Intelligence. Banks template. Financial Sources.