OP Bancorp (OPBK)

OP Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	136.87	124.36	110.46	82.86	62.45
Interest Income on Investments	13.45	13.26	11.2	5.35	1.71
Total Interest Income	150.33	137.62	121.67	88.21	64.16
Interest Paid on Deposits	68.85	68.12	49.44	11.21	3.13
Interest Paid on Borrowings	3.13	3.89	3.54	0.09	-
Total Interest Expense	71.98	72.01	52.98	11.3	3.13
Net Interest Income	78.35	65.61	68.69	76.91	61.03
Net Interest Income Growth (YoY)	19.42%	-4.48%	-10.69%	26.03%	34.52%
Gain (Loss) on Sale of Investments	-	-0.03	0.05	-0.43	-
Other Non-Interest Income	6.06	4.89	4.17	4.09	3.25
Total Non-Interest Income	16.33	16.43	14.18	17.62	16.02
Non-Interest Income Growth (YoY)	-0.58%	15.84%	-19.51%	10.00%	48.70%
Revenues Before Loan Losses	94.68	82.04	82.87	94.53	77.04
Provision for Loan Losses	3.58	2.76	1.65	2.98	0.52
Revenue	91.1	79.28	81.22	91.55	76.52
Revenue Growth (YoY)	14.91%	-2.39%	-11.29%	19.65%	52.51%
Salaries and Employee Benefits	35.99	30.53	28.3	26.01	20.7
Occupancy Expenses	6.76	3.34	3.37	3.06	2.61
Federal Deposit Insurance	1.78	1.67	1.46	0.81	0.58
Selling, General & Administrative	4.43	9.47	9.4	9.01	7.63
Other Non-Interest Expense	4.24	3.08	2.81	2.54	1.46
Total Non-Interest Expense	55.77	50.2	47.73	44.83	35.87
EBT Excluding Unusual Items	35.33	29.08	33.49	46.72	40.66
Pretax Income	35.33	29.08	33.49	46.72	40.66
Income Tax Expense	9.67	8.01	9.57	13.41	11.82
Net Income	25.66	21.07	23.92	33.31	28.84
Preferred Dividends & Other Adjustments	-	0.38	0.48	0.7	0.33
Net Income to Common	25.66	20.69	23.44	32.61	28.51
Net Income Growth	21.77%	-11.91%	-28.20%	15.50%	119.70%
Basic Shares Outstanding	15	15	15	15	15
Diluted Shares Outstanding	15	15	15	15	15
Shares Change (YoY)	0.23%	-1.89%	-0.48%	0.50%	-0.45%
EPS (Basic)	1.73	1.39	1.55	2.15	1.89
EPS (Diluted)	1.72	1.39	1.55	2.14	1.88
EPS Growth	23.74%	-10.17%	-27.69%	13.83%	121.18%
Dividend Per Share	0.480	0.480	0.480	0.440	0.340
Dividend Growth	-	-	9.09%	29.41%	21.43%
Effective Tax Rate	27.38%	27.55%	28.58%	28.71%	29.06%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q