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	Jun '26 Jun 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	141.53	136.87	124.36	110.46	82.86	62.45
Interest Income on Investments	13	13.45	13.26	11.2	5.35	1.71
Total Interest Income	154.53	150.33	137.62	121.67	88.21	64.16
Interest Paid on Deposits	68.5	68.85	68.12	49.44	11.21	3.13
Interest Paid on Borrowings	4.23	3.13	3.89	3.54	0.09	-
Total Interest Expense	72.73	71.98	72.01	52.98	11.3	3.13
Net Interest Income	81.8	78.35	65.61	68.69	76.91	61.03
Net Interest Income Growth	15.91%	19.42%	-4.48%	-10.69%	26.03%	34.52%
Gain (Loss) on Sale of Investments	0.01	0.11	-0.03	0.05	-0.43	-
Other Non-Interest Income	6.03	5.94	4.89	4.17	4.09	3.25
Total Non-Interest Income	17.23	16.33	16.43	14.18	17.62	16.02
Non-Interest Income Growth	-1.20%	-0.58%	15.84%	-19.51%	10.00%	48.70%
Revenues Before Loan Losses	99.03	94.68	82.04	82.87	94.53	77.04
Provision for Loan Losses	1.9	3.58	2.76	1.65	2.98	0.52
Revenue	97.13	91.1	79.28	81.22	91.55	76.52
Revenue Growth	15.52%	14.91%	-2.39%	-11.29%	19.65%	52.51%
Salaries and Employee Benefits	36.39	35.29	30.53	28.3	26.01	20.7
Occupancy Expenses	4.19	3.64	3.34	3.37	3.06	2.61
Federal Deposit Insurance	1.6	1.78	1.67	1.46	0.81	0.58
Selling, General & Administrative	8.29	8.25	9.47	9.4	9.01	7.63
Other Non-Interest Expense	3.61	4.24	3.08	2.81	2.54	1.46
Total Non-Interest Expense	56.98	55.77	50.2	47.73	44.83	35.87
EBT Excluding Unusual Items	40.15	35.33	29.08	33.49	46.72	40.66
Pretax Income	40.15	35.33	29.08	33.49	46.72	40.66
Income Tax Expense	11.2	9.69	8.01	9.57	13.41	11.82
Net Income	28.95	25.64	21.07	23.92	33.31	28.84
Preferred Dividends & Other Adjustments	-0.13	-	0.38	0.48	0.7	0.33
Net Income to Common	29.08	25.64	20.69	23.44	32.61	28.51
Net Income Growth	32.19%	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	0.73%	0.23%	-1.89%	-0.48%	0.50%	-0.45%
EPS (Basic)	1.95	1.72	1.39	1.55	2.15	1.89
EPS (Diluted)	1.95	1.72	1.39	1.55	2.14	1.88
EPS Growth	31.71%	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	Jun '26 Jun 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	0.500	0.480	0.480	0.480	0.440	0.340
Dividend Growth	4.17%	0%	0%	9.09%	29.41%	21.43%
Effective Tax Rate	27.88%	27.43%	27.55%	28.58%	28.71%	29.06%

SEC Filings: 10-K · 10-Q