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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
OP Bancorp
OP Bancorp (OPBK) investor relations material
OP Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 2026 net income was $7.8M and diluted EPS was $0.52, versus $8.0M and $0.53 in Q2 and $6.7M and $0.45 in Q3 2025.
Loan growth supported higher net interest income and a 19-bps QoQ expansion in net interest margin to 3.27%; balance sheet growth continued.
Financial highlights
Revenue was $27,502K, compared with $25,719K in Q2 and $24,476K in Q3 2025; net interest income was $22,207K, up 11% QoQ and 9% YoY.
Q3 net income declined 3% QoQ and increased 16% YoY; diluted EPS was $0.52, versus $0.53 and $0.45, respectively.
9M net income was $22,975K, up 24% YoY; diluted EPS was $1.54 versus $1.25, and net interest income rose 9% to $62,798K.
Noninterest income was $5,295K, up 28% YoY, primarily on higher SBA loan-sale gains; noninterest expense rose 14% YoY to $15,512K.
Outlook and guidance
Management’s stated priorities for Q4 2026 are sustainable growth, disciplined risk management and operating efficiency.
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Latest events from OP Bancorp
- Q2 2026 net income rose to $8.0M, with strong capital, loan growth, and a $0.14 dividend paid.OPBK
Q2 2026 - Net income rose 3% sequentially to $7.2M, with strong loan growth and a 17% dividend increase.OPBKQ1 2026
- Proxy covers director elections, say-on-pay, auditor ratification, and robust governance practices.OPBKProxy filing
- Q4 2025 net income up 5% sequentially, with strong loan growth and stable asset quality.OPBKQ4 2025
- Shareholders will vote on directors, executive pay, auditor ratification, and key governance matters.OPBKProxy Filing
- Q3 2025 net income up 23% year-over-year, efficiency improved, and capital ratios remained strong.OPBKQ3 2025
- Net income and EPS rose on strong loan growth, margin expansion, and solid credit quality.OPBKQ2 2025
- Q3 net income rose 6.2% as strong loan and deposit growth offset margin pressure.OPBKQ3 2024
- Q2 2024 net income was $5.4M, down 10.8% year-over-year as margins compressed.OPBKQ2 2024
Next OP Bancorp earnings date
Q4 202622 Jan, 2027
OP Bancorp
Next OP Bancorp earnings date
Q4 202622 Jan, 2027
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Frequently asked questions
OP Bancorp is a bank holding company for Open Bank, known for offering a comprehensive range of banking products and services primarily in California. Open Bank serves a diverse clientele, including small to medium-sized businesses, professionals, and residents, with a special emphasis on Korean and other ethnic minority communities. The company's banking services encompass demand, checking, savings, money market, and time deposit accounts, along with certificates of deposit. Additionally, OP Bancorp provides a variety of loan products, including commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans. Beyond traditional banking offerings, it delivers trade financing products, letters of credit, SWIFT and export advice, and a suite of digital banking solutions like online and mobile banking, remote check deposit, and bill pay. The company is headquartered in Los Angeles, California, and its shares are listed on the Nasdaq.