OP Bancorp (OPBK) Q3 2026 earnings summary

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.