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OP Bancorp (OPBK) investor relations material
OP Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $6.7 million, up from $6.3 million in Q2 2025, representing a 6% sequential and 23% year-over-year increase, with diluted EPS rising to $0.45 from $0.42.
Revenue increased 3% from the prior quarter and 10% year-over-year, driven by loan growth and stable deposit balances.
Return on assets improved to 1.04% and return on equity to 12.36% sequentially.
Net interest margin expanded to 3.26%, and the efficiency ratio improved to 55.68%, indicating enhanced profitability and operational discipline.
Credit quality remained stable, with low net charge-offs and a steady allowance for credit losses.
Financial highlights
Net interest income was $17.4M, up 3% sequentially and 23% year-over-year, with a net interest margin of 3.26%.
Noninterest income totaled $4.1M, up 4% from Q2 2025, mainly due to higher gains on SBA loan sales, but down 3% year-over-year.
Noninterest expense was $13.6M, down 3% sequentially but up 7% year-over-year, resulting in an efficiency ratio of 55.68%.
Book value per share increased to $14.88 from $14.36.
Income tax expense rose to $3.0 million, with the effective tax rate at 30.7% due to higher pre-tax income and a one-time deferred tax asset revaluation.
Outlook and guidance
Management highlighted that forward-looking statements are subject to risks and uncertainties, with no assurances on future performance.
Focus remains on sustainable growth, profitability, and operational discipline.
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Next OP Bancorp earnings date
Q4 202526 Jan, 2026
Next OP Bancorp earnings date
Q4 202526 Jan, 2026
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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.
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