OP Bancorp
For the period ended Sep 30, 2025. Filed Nov 7, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 7, 2025
OPBK$14.93+1.2%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Balance Sheets
| ($ in thousands) | September 30, 2025 (Unaudited) | December 31, 2024 |
|---|---|---|
| ASSETS | ||
| Cash and due from banks | $10,931 | $12,267 |
| Interest-bearing deposits with banks | 155,817 | 122,676 |
| Cash and cash equivalents | 166,748 | 134,943 |
| Available-for-sale ("AFS") debt securities, at fair value | 200,760 | 185,909 |
| Other investments | 17,164 | 16,437 |
| Loans held-for-sale | 6,480 | 4,581 |
| Net loans (net of allowance for credit losses on loans of $27,299 and $24,796) | 2,123,918 | 1,932,056 |
| Premises and equipment, net | 6,995 | 5,449 |
| Accrued interest receivable | 10,337 | 9,188 |
| Servicing assets | 10,429 | 10,834 |
| Company owned life insurance | 23,437 | 22,912 |
| Deferred tax assets, net | 12,099 | 14,893 |
| Other real estate owned ("OREO") | 845 | 1,237 |
| Operating right-of-use assets | 9,347 | 7,415 |
| Other assets | 25,655 | 20,159 |
| TOTAL ASSETS | $2,614,214 | $2,366,013 |
| LIABILITIES | ||
| Deposits: | ||
| Noninterest-bearing | $543,972 | $504,928 |
| Interest-bearing: | ||
| Money market and others | 402,891 | 329,095 |
| Time deposits greater than $250 | 667,883 | 565,813 |
| Other time deposits | 658,671 | 627,449 |
| Total deposits | 2,273,417 | 2,027,285 |
| Federal Home Loan Bank ("FHLB") advances | 75,000 | 95,000 |
| Accrued interest payable | 15,968 | 16,067 |
| Operating lease liabilities | 11,826 | 7,857 |
| Other liabilities | 16,504 | 14,811 |
| Total liabilities | 2,392,715 | 2,161,020 |
| SHAREHOLDERS' EQUITY | ||
| Preferred stock – no par value; 10,000,000 shares authorized; no shares issued or outstanding | — | — |
| Common stock – no par value; 50,000,000 shares authorized; 14,885,614 and 14,819,866 shares issued and outstanding | 72,984 | 73,697 |
| Additional paid-in capital | 11,658 | 11,928 |
| Retained earnings | 148,031 | 134,781 |
| Accumulated other comprehensive loss, net of tax | (11,174) | (15,413) |
| Total shareholders’ equity | 221,499 | 204,993 |
| TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | $2,614,214 | $2,366,013 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.