OP Bancorp (OPBK)

OP Bancorp Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	242.9	167.31	134.94	91.22	82.97	115.46
Investment Securities	18.71	27.65	24.62	26.36	15.64	3.8
Trading Asset Securities	-	-	0.37	-	-	-
Mortgage-Backed Securities	187.15	187.16	180.12	188.34	209.81	150.44
Total Investments	205.86	214.8	205.1	214.7	225.45	154.25
Gross Loans	2,288	2,194	1,958	1,766	1,678	1,314
Allowance for Loan Losses	-28.84	-27.98	-24.8	-21.99	-19.24	-16.12
Other Adjustments to Gross Loans	-	-0.33	-0.7	-	-	-
Net Loans	2,259	2,166	1,932	1,744	1,659	1,298
Property, Plant & Equipment	12.92	14.55	12.86	13.75	13.5	13.26
Loans Held for Sale	6.16	11.44	4.58	1.8	44.34	89.43
Accrued Interest Receivable	10.34	10.48	9.19	8.26	7.18	4.58
Long-Term Deferred Tax Assets	15.05	12.44	14.89	13.31	14.32	8.41
Other Real Estate Owned & Foreclosed	-	-	1.24	-	-	-
Other Long-Term Assets	57.22	40.35	38.54	48.33	39.22	36.41
Total Assets	2,809	2,650	2,366	2,148	2,094	1,727

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	1,073	1,076	956.54	850.92	827.99	552.02
Institutional Deposits	818.59	683.96	565.81	433.89	356.2	207.29
Non-Interest Bearing Deposits	539.26	520.87	504.93	522.75	701.58	774.75
Total Deposits	2,430	2,281	2,027	1,808	1,886	1,534
Short-Term Borrowings	-	0.89	0.58	-	-	-
Current Portion of Long-Term Debt	-	-	95	-	-	-
Current Portion of Leases	-	3.04	-	-	-	-
Accrued Interest Payable	16.52	14.6	16.07	12.63	2.77	0.56
Long-Term Debt	24.65	24.59	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	75	75	-	105	-	-
Long-Term Leases	9.75	8.14	7.86	9.34	10.21	10.31
Other Long-Term Liabilities	13.14	15.54	14.23	20.58	18.83	16.54
Total Liabilities	2,569	2,422	2,161	1,955	1,918	1,561

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	73.02	73.02	73.7	76.28	79.33	78.72
Additional Paid-In Capital	12.25	11.85	11.93	10.94	9.74	8.65
Retained Earnings	170.3	153.28	134.78	120.86	105.69	79.06
Comprehensive Income & Other	-15.62	-10.26	-15.41	-15.45	-17.84	-1.2
Shareholders' Equity	239.95	227.89	204.99	192.63	176.92	165.22
Total Liabilities & Equity	2,809	2,650	2,366	2,148	2,094	1,727

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	109.4	111.65	103.44	114.34	10.21	10.31
Net Cash (Debt)	133.5	55.77	31.98	-23.03	72.85	105.25
Net Cash Growth	68.68%	74.41%	-	-	-30.78%	13.20%
Net Cash Per Share	8.93	3.74	2.15	-1.52	4.78	6.94
Filing Date Shares Outstanding	14.93	14.89	14.91	14.96	15.34	15.14
Total Common Shares Outstanding	14.93	14.89	14.82	15	15.27	15.14
Book Value Per Share	16.07	15.31	13.83	12.84	11.59	10.91
Tangible Book Value	239.95	227.89	204.99	192.63	176.92	165.22
Tangible Book Value Per Share	16.07	15.31	13.83	12.84	11.59	10.91

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 28, 2026

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