)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
OP Bancorp
OP Bancorp (OPBK) investor relations material
OP Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income for Q4 2025 was $7.1 million, up 5% sequentially and 42% year-over-year, with diluted EPS of $0.47, reflecting higher net interest income and lower provision for credit losses.
Average loans grew 3% sequentially and 13% year-over-year, while average deposits increased 2% sequentially and 12% year-over-year.
Asset quality remained stable, with nonperforming loans at 0.64% of gross loans and allowance for credit losses at 1.28%.
Capital position remained robust, with CET1 at 10.93% and total capital ratio at 13.32%.
Financial highlights
Net interest income rose 3% sequentially and 23% year-over-year, driven by loan growth and lower deposit costs.
Net interest margin was 3.25%, nearly unchanged sequentially but up 29 bps year-over-year.
Noninterest income fell 17% sequentially and 23% year-over-year, mainly due to lower gains on sale of loans and service charges.
Noninterest expense increased 5% sequentially and 9% year-over-year, primarily from higher salaries and employee benefits.
Provision for credit losses dropped 61% sequentially and 70% year-over-year, reflecting improved economic outlook.
ROA improved to 1.07% and ROE to 12.57% for the quarter.
Outlook and guidance
Management remains focused on executing strategic priorities, supporting customers, and delivering long-term shareholder value.
The company expects continued resilience, with a strong capital base and stable asset quality.
What factors influenced 4Q25 net interest margin?
Reconcile asset quality stability with NPL rise?
What drove the noninterest income decrease?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next OP Bancorp earnings date
Q1 202623 Apr, 2026
OP Bancorp
Next OP Bancorp earnings date
Q1 202623 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage