OP Bancorp
For the period ended Sep 30, 2026. Filed Nov 6, 2026.
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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, 2026 · Filed Nov 6, 2026
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Provision for Credit Losses
Provision for credit losses increased by $422 thousand, primarily reflecting higher specific reserves resulting from lower net collateral values of individually evaluated loans and higher general reserve requirements associated with loan growth, partially offset by lower qualitative reserve requirements.
Provision for credit losses decreased by $1.3 million, primarily due to a smaller general reserve build resulting from less adverse changes in historical loss factors and lower qualitative reserve requirements, partially offset by the aforementioned increases in general reserve associated with loan growth and specific reserves resulting from lower net collateral values.
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