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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 6% sequentially and 23% year-over-year, with diluted EPS of $0.45, reflecting higher revenue and improved efficiency.
Total assets reached $2.61 billion, up 2% from the prior quarter and 10% since year-end 2024, with gross loans up 4% sequentially and 10% year-over-year, and deposits up 1% sequentially and 12% year-over-year.
Return on assets improved to 1.04% and return on equity to 12.36%, both up year-over-year.
Revenue increased 3% from the prior quarter and 10% year-over-year, driven by loan growth and stable deposit balances.
Credit quality remained stable, with low net charge-offs and allowance for credit losses at 1.27% of gross loans.
Financial highlights
Net interest income for Q3 2025 was $20.3 million, up 3% sequentially and 23% year-over-year, with a net interest margin of 3.26%.
Noninterest income totaled $4.1 million, up 4% sequentially but down 3% year-over-year, while noninterest expense was $13.6 million, resulting in an efficiency ratio of 55.68%.
Book value per share increased to $14.88 from $14.36.
Allowance for credit losses on loans was $27.3 million (1.27% of gross loans), up from $24.8 million at year-end 2024.
Nonperforming loans increased to $12.3 million, or 0.57% of gross loans.
Outlook and guidance
Management highlighted that forward-looking statements are subject to risks and uncertainties, including interest rate volatility, political uncertainty, and evolving economic conditions.
The company completed a $25 million subordinated note offering in November 2025 to support regulatory capital and growth.
Reconcile credit quality commentary with NPL trends
Address uninsured deposit risk and funding costs
Future NIM impact from new loan origination yields
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Next OP Bancorp earnings date
Q4 202523 Jan, 2026
Next OP Bancorp earnings date
Q4 202523 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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