OP Bancorp (OPBK)

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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	166.75	134.94	91.22	82.97	115.46	106.31
Investment Securities	17.16	24.62	26.36	15.64	3.8	4.87
Mortgage-Backed Securities	200.76	180.12	188.34	209.81	150.44	90.79
Total Investments	217.92	204.73	214.7	225.45	154.25	95.66
Gross Loans	2,151	1,957	1,766	1,678	1,314	1,100
Allowance for Loan Losses	-27.3	-24.8	-21.99	-19.24	-16.12	-15.35
Net Loans	2,124	1,932	1,744	1,659	1,298	1,084
Property, Plant & Equipment	16.34	12.86	13.75	13.5	13.26	11.33
Loans Held for Sale	6.48	4.58	1.8	44.34	89.43	26.66
Accrued Interest Receivable	10.34	9.19	8.26	7.18	4.58	3.99
Long-Term Deferred Tax Assets	12.1	14.89	13.31	14.32	8.41	5.24
Other Real Estate Owned & Foreclosed	0.85	1.24	-	-	-	-
Other Long-Term Assets	59.52	38.9	48.33	39.22	36.41	27.21
Total Assets	2,614	2,366	2,148	2,094	1,727	1,367
Interest Bearing Deposits	1,062	956.54	850.92	827.99	552.02	477.13
Institutional Deposits	667.88	565.81	433.89	356.2	207.29	200.21
Non-Interest Bearing Deposits	543.97	504.93	522.75	701.58	774.75	522.75
Total Deposits	2,273	2,027	1,808	1,886	1,534	1,200
Short-Term Borrowings	-	-	-	-	-	5
Current Portion of Long-Term Debt	75	95	-	-	-	-
Current Portion of Leases	-	2	-	-	-	-
Accrued Interest Payable	15.97	16.07	12.63	2.77	0.56	1.02
Federal Home Loan Bank Debt, Long-Term	-	-	105	-	-	-
Long-Term Leases	11.83	5.86	9.34	10.21	10.31	8.43
Other Long-Term Liabilities	16.5	14.81	20.58	18.83	16.54	8.92
Total Liabilities	2,393	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	11.66	11.93	10.94	9.74	8.65	8.52
Retained Earnings	148.03	134.78	120.86	105.69	79.06	55.35
Comprehensive Income & Other	-11.17	-15.41	-15.45	-17.84	-1.2	0.84
Shareholders' Equity	221.5	204.99	192.63	176.92	165.22	143.37
Total Liabilities & Equity	2,614	2,366	2,148	2,094	1,727	1,367
Total Debt	86.83	102.86	114.34	10.21	10.31	13.43
Net Cash (Debt)	79.92	32.19	-23.03	72.85	105.25	92.98
Net Cash Growth	-2.48%	-	-	-30.78%	13.20%	22.48%
Net Cash Per Share	5.37	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	14.88	13.83	12.84	11.59	10.91	9.55
Tangible Book Value	221.5	204.99	192.63	176.92	165.22	143.37
Tangible Book Value Per Share	14.88	13.83	12.84	11.59	10.91	9.55

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q