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OP Bancorp (OPBK) investor relations material
OP Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $6.3 million ($0.42 diluted EPS), up 17% year-over-year and from the prior quarter.
Total assets reached $2.56 billion as of June 30, 2025, up 8% from December 31, 2024, driven by loan and deposit growth.
Gross loans increased 6% year-to-date to $2.07 billion, and total deposits rose 11% to $2.25 billion.
Net interest margin expanded to 3.23%, and credit quality remained strong.
Opened a new full-service branch in Garden Grove, California, expanding regional presence.
Financial highlights
Net interest income for Q2 2025 was $19.7 million, up 22% year-over-year and 13% sequentially.
Provision for credit losses increased to $1.2 million in Q2 2025 from $617 thousand a year ago.
Noninterest income for Q2 2025 was $4.0 million, down 5% year-over-year and 18% sequentially, mainly due to lower gains on loan sales.
Noninterest expense rose 15% year-over-year in Q2 2025, mainly from higher salaries and FDIC assessments.
Efficiency ratio improved to 59.25% from 62.13% in the previous quarter.
Outlook and guidance
Management anticipates continued challenges from the current interest rate environment and economic uncertainty, with a focus on maintaining asset quality and operational efficiency.
Data processing and communication expenses are expected to remain lower due to a new core banking system.
CEO emphasized strengthening core operations, customer engagement, and compliance.
Strategic focus on expanding lower-cost deposit products and deepening customer relationships.
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Next OP Bancorp earnings date
Q3 202523 Oct, 2025
Next OP Bancorp earnings date
Q3 202523 Oct, 2025
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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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