OP Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Interest Income on Loans	144.16	136.87	124.36	110.46	82.86	62.45
Interest Income on Investments	13.23	13.45	13.26	11.2	5.35	1.71
Total Interest Income	157.39	150.33	137.62	121.67	88.21	64.16
Interest Paid on Deposits	68.97	68.85	68.12	49.44	11.21	3.13
Interest Paid on Borrowings	4.76	3.13	3.89	3.54	0.09	-
Total Interest Expense	73.73	71.98	72.01	52.98	11.3	3.13
Net Interest Income	83.66	78.35	65.61	68.69	76.91	61.03
Net Interest Income Growth	12.43%	19.42%	-4.48%	-10.69%	26.03%	34.52%
Gain (Loss) on Sale of Investments	0.11	0.11	-0.03	0.05	-0.43	-
Other Non-Interest Income	6.1	5.94	4.89	4.17	4.09	3.25
Total Non-Interest Income	18.4	16.33	16.43	14.18	17.62	16.02
Non-Interest Income Growth	6.14%	-0.58%	15.84%	-19.51%	10.00%	48.70%
Revenues Before Loan Losses	102.06	94.68	82.04	82.87	94.53	77.04
Provision for Loan Losses	2.32	3.58	2.76	1.65	2.98	0.52
Revenue	99.73	91.1	79.28	81.22	91.55	76.52
Revenue Growth	14.53%	14.91%	-2.39%	-11.29%	19.65%	52.51%
Salaries and Employee Benefits	37.01	35.29	30.53	28.3	26.01	20.7
Occupancy Expenses	4.34	3.64	3.34	3.37	3.06	2.61
Federal Deposit Insurance	1.55	1.78	1.67	1.46	0.81	0.58
Selling, General & Administrative	9.29	8.25	9.47	9.4	9.01	7.63
Other Non-Interest Expense	3.68	4.24	3.08	2.81	2.54	1.46
Total Non-Interest Expense	58.86	55.77	50.2	47.73	44.83	35.87
EBT Excluding Unusual Items	40.87	35.33	29.08	33.49	46.72	40.66
Pretax Income	40.87	35.33	29.08	33.49	46.72	40.66
Income Tax Expense	10.86	9.69	8.01	9.57	13.41	11.82
Net Income	30.01	25.64	21.07	23.92	33.31	28.84
Preferred Dividends & Other Adjustments	-	-	0.38	0.48	0.7	0.33
Net Income to Common	30.01	25.64	20.69	23.44	32.61	28.51
Net Income Growth	28.49%	23.88%	-11.72%	-28.11%	14.37%	120.46%
Basic Shares Outstanding	15	15	15	15	15	15
Diluted Shares Outstanding	15	15	15	15	15	15
Shares Change	0.53%	0.23%	-1.89%	-0.48%	0.50%	-0.45%
EPS (Basic)	2.01	1.72	1.39	1.55	2.15	1.89
EPS (Diluted)	2.01	1.72	1.39	1.55	2.14	1.88
EPS Growth	27.99%	23.74%	-10.17%	-27.69%	13.83%	121.18%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	0.520	0.480	0.480	0.480	0.440	0.340
Dividend Growth	8.33%	0%	0%	9.09%	29.41%	21.43%
Effective Tax Rate	26.56%	27.43%	27.55%	28.58%	28.71%	29.06%

SEC Filings: 10-K · 10-Q