OP Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	167.31	134.94	91.22	82.97	115.46
Investment Securities	17.21	24.62	26.36	15.64	3.8
Mortgage-Backed Securities	192.79	180.12	188.34	209.81	150.44
Total Investments	209.99	204.73	214.7	225.45	154.25
Gross Loans	2,194	1,957	1,766	1,678	1,314
Allowance for Loan Losses	-27.98	-24.8	-21.99	-19.24	-16.12
Net Loans	2,166	1,932	1,744	1,659	1,298
Property, Plant & Equipment	14.55	12.86	13.75	13.5	13.26
Loans Held for Sale	11.44	4.58	1.8	44.34	89.43
Accrued Interest Receivable	10.48	9.19	8.26	7.18	4.58
Long-Term Deferred Tax Assets	12.44	14.89	13.31	14.32	8.41
Other Real Estate Owned & Foreclosed	-	1.24	-	-	-
Other Long-Term Assets	58.32	38.9	48.33	39.22	36.41
Total Assets	2,650	2,366	2,148	2,094	1,727
Interest Bearing Deposits	1,076	956.54	850.92	827.99	552.02
Institutional Deposits	683.96	565.81	433.89	356.2	207.29
Non-Interest Bearing Deposits	520.87	504.93	522.75	701.58	774.75
Total Deposits	2,281	2,027	1,808	1,886	1,534
Current Portion of Long-Term Debt	75	95	-	-	-
Current Portion of Leases	-	2	-	-	-
Accrued Interest Payable	14.6	16.07	12.63	2.77	0.56
Long-Term Debt	24.59	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	-	-	105	-	-
Long-Term Leases	11.18	5.86	9.34	10.21	10.31
Other Long-Term Liabilities	16.43	14.81	20.58	18.83	16.54
Total Liabilities	2,422	2,161	1,955	1,918	1,561
Common Stock	73.02	73.7	76.28	79.33	78.72
Additional Paid-In Capital	11.85	11.93	10.94	9.74	8.65
Retained Earnings	153.3	134.78	120.86	105.69	79.06
Comprehensive Income & Other	-10.28	-15.41	-15.45	-17.84	-1.2
Shareholders' Equity	227.89	204.99	192.63	176.92	165.22
Total Liabilities & Equity	2,650	2,366	2,148	2,094	1,727
Total Debt	110.76	102.86	114.34	10.21	10.31
Net Cash (Debt)	56.55	32.19	-23.03	72.85	105.25
Net Cash Growth	75.70%	-	-	-30.78%	13.20%
Net Cash Per Share	3.79	2.16	-1.52	4.78	6.94
Filing Date Shares Outstanding	14.89	14.91	14.96	15.34	15.14
Total Common Shares Outstanding	14.89	14.82	15	15.27	15.14
Book Value Per Share	15.31	13.83	12.84	11.59	10.91
Tangible Book Value	227.89	204.99	192.63	176.92	165.22
Tangible Book Value Per Share	15.31	13.83	12.84	11.59	10.91

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

SEC Filings: 10-K · 10-Q