OPBK on Nasdaq
OP Bancorp
American state commercial bank based in Los Angeles, incorporated in California2
In its 2026 annual report the company says: “We provide commercial banking services to small and medium-sized businesses, their owners, and retail customers, with a focus on the Korean-American community. We currently operate twelve full service branches: nine branches across Los Angeles and Orange Counties in California, as well as one branch each in Santa Clara, California; Carrollton, Texas; and Las Vegas, Nevada.”4 Its shares trade on Nasdaq under the symbol OPBK.2
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Last updated Oct 20, 2026.
Overview
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- TickerOPBK on Nasdaq2
- IndustryState Commercial Banks2
- HeadquartersLos Angeles, United States2
- Incorporated inCA3
- Business address1000 Wilshire Blvd., Suite 500, Los Angeles, Ca 900173
- Filer categoryAccelerated filer, Smaller reporting company3
- Legal formFor-Profit Corporation General Stock2
- LEI549300LTYZMS0Q13U5222
- StatusActive2
- LEI statusIssued and current2
- Registered address1000 WILSHIRE BLVD, STE. 500, 90017 Los Angeles, United States2
- Registered withSecretary of State, 38877892
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Founded in 2005 as First Standard Bank, and rebranded as Open Bank in 2010, we formed OP Bancorp as our holding company in 2016. OP Bancorp, headquartered in Los Angeles, California, operates its commercial community banking activities through Open Bank ("Open Bank" or the "Bank"), our wholly owned banking subsidiary. We provide commercial banking services to small and medium-sized businesses, their owners, and retail customers, with a focus on the Korean-American community. We currently operate twelve full service branches: nine branches across Los Angeles and Orange Counties in California, as well as one branch each in Santa Clara, California; Carrollton, Texas; and Las Vegas, Nevada. Additionally, we maintain five loan production offices located in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; Lynnwood, Washington; and Fairfax, Virginia. Substantially all our business ac…4 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax27¢$9.7M
- Profit73¢$25.6M
Out of $3.2M in revenue.5
Where each dollar of operating cash went, fiscal 2025
- Capital spending11¢$2.8M
- Dividends paid27¢$7.1M
- Share buybacks3¢$706.0K
- Kept or used elsewhere59¢$15.5M
Out of $26.2M of cash from operations.5
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest and fees on loans | $136.9M | $124.4M | $110.5M |
| Interest on AFS debt securities | $6.3M | $6.2M | $6.1M |
| Other interest income | $7.1M | $7.0M | $5.1M |
| Total interest income | $150.3M | $137.6M | $121.7M |
| Interest on deposits | $68.8M | $68.1M | $49.4M |
| Interest on borrowings | $2.9M | $3.9M | $3.5M |
| Interest on subordinated note | $278.0K | $0 | $0 |
| Total interest expense | $72.0M | $72.0M | $53.0M |
| Net interest income | $78.3M | $65.6M | $68.7M |
| Provision for credit losses | $3.6M | $2.8M | $1.7M |
| Net interest income after provision for credit losses | $74.8M | $62.9M | $67.0M |
| Service charges on deposits | $3.2M | $3.3M | $2.1M |
| Loan servicing fees, net of amortization | $3.3M | $2.9M | $2.4M |
| Gains on sale of loans | $7.1M | $8.3M | $7.8M |
| Other income | $2.8M | $2.0M | $1.8M |
| Total noninterest income | $16.3M | $16.4M | $14.2M |
| Salaries and employee benefits | $36.0M | $31.7M | $29.6M |
| Occupancy and equipment | $6.8M | $6.7M | $6.5M |
| Data processing and communication | $1.5M | $2.2M | $2.1M |
| Professional fees | $1.8M | $1.5M | $1.6M |
| FDIC insurance and regulatory assessments | $1.8M | $1.7M | $1.5M |
| Promotion and advertising | $505.0K | $533.0K | $614.0K |
| Directors fees | $677.0K | $640.0K | $680.0K |
| Foundation donation and other contributions | $2.6M | $2.1M | $2.4M |
| Other expenses | $4.2M | $3.1M | $2.8M |
| Total noninterest expense | $55.8M | $50.2M | $47.7M |
| INCOME BEFORE INCOME TAX EXPENSE | $35.3M | $29.1M | $33.5M |
| Income tax expense | $9.7M | $8.0M | $9.6M |
| NET INCOME | $25.6M | $21.1M | $23.9M |
| "EARNINGS PER SHARE(""EPS"") - BASIC (USD per share)" | $1.72 | $1.39 | $1.55 |
| EPS - DILUTED (USD per share) | $1.72 | $1.39 | $1.55 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $10.9M | $12.3M | ||
| Interest-bearing deposits with banks | $156.4M | $122.7M | ||
| Cash and cash equivalents | $167.3M | $134.9M | ||
| AFS debt securities, at fair value | $192.8M | $185.9M | ||
| Other investments | $17.2M | $16.4M | ||
| Loans held-for-sale | $11.4M | $4.6M | ||
| Net Loans (net of allowance for credit losses of $27,975 and $24,796) | $2.2B | $1.9B | ||
| Premises and equipment, net | $5.7M | $5.4M | ||
| Accrued interest receivable | $10.5M | $9.2M | ||
| Servicing assets | $10.1M | $10.8M | ||
| Company owned life insurance | $23.6M | $22.9M | ||
| "Deferred tax assets (""DTA""), net" | $12.4M | $14.9M | ||
| "Other real estate owned (""OREO"")" | $0 | $1.2M | ||
| "Operating right-of-use (""ROU"") assets" | $8.8M | $7.4M | $8.5M | |
| Other assets | $24.6M | $20.2M | ||
| Total assets | $2.7B | $2.4B | ||
| Noninterest-bearing | $520.9M | $504.9M | ||
| Money market and others | $388.1M | $329.1M | ||
| Time deposits greater than $250 | $684.0M | $565.8M | ||
| Other time deposits | $687.7M | $627.4M | ||
| Total deposits | $2.3B | $2.0B | ||
| "Federal Home Loan Bank (""FHLB"") advances" | $75.0M | $95.0M | ||
| Subordinated note (net of unamortized debt issuance cost of $414,000) | $24.6M | $0 | ||
| Accrued interest payable | $14.6M | $16.1M | ||
| Operating lease liabilities | $11.2M | $7.9M | $9.3M | |
| Other liabilities | $16.4M | $14.8M | ||
| Total liabilities | $2.4B | $2.2B | ||
| Preferred stock no par value; 10,000,000 shares authorized; no shares issued or outstanding | $0 | $0 | ||
| Common stock no par value; 50,000,000 shares authorized; 14,889,540 and 14,819,866 shares issued and outstanding | $73.0M | $73.7M | ||
| Additional paid-in capital | $11.8M | $11.9M | ||
| Retained earnings | $153.3M | $134.8M | ||
| Accumulated other comprehensive loss, net of tax | -$10.3M | -$15.4M | ||
| Total shareholders equity | $227.9M | $205.0M | $192.6M | $176.9M |
| Total liabilities and shareholders' equity | $2.7B | $2.4B | ||
| Net Loans, net of allowance for credit losses | $28.0M | $24.8M | $22.0M | $19.2M |
| Unamortized debt issuance cost | $414.0K | |||
| Preferred stock, par value (USD per share) | $0 | $0 | ||
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | ||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | ||
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | ||
| Common stock, par value (USD per share) | $0 | $0 | ||
| Common stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | ||
| Common stock, shares issued (in shares) | 14.9M shares | 14.8M shares | ||
| Common stock, shares outstanding (in shares) | 14.9M shares | 14.8M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $10.9M | $12.3M | ||
| Interest-bearing deposits with banks | $156.4M | $122.7M | ||
| Cash and cash equivalents | $167.3M | $134.9M | ||
| AFS debt securities, at fair value | $192.8M | $185.9M | ||
| Other investments | $17.2M | $16.4M | ||
| Loans held-for-sale | $11.4M | $4.6M | ||
| Net Loans (net of allowance for credit losses of $27,975 and $24,796) | $2.2B | $1.9B | ||
| Premises and equipment, net | $5.7M | $5.4M | ||
| Accrued interest receivable | $10.5M | $9.2M | ||
| Servicing assets | $10.1M | $10.8M | ||
| Company owned life insurance | $23.6M | $22.9M | ||
| "Deferred tax assets (""DTA""), net" | $12.4M | $14.9M | ||
| "Other real estate owned (""OREO"")" | $0 | $1.2M | ||
| "Operating right-of-use (""ROU"") assets" | $8.8M | $7.4M | $8.5M | |
| Other assets | $24.6M | $20.2M | ||
| Total assets | $2.7B | $2.4B | ||
| Noninterest-bearing | $520.9M | $504.9M | ||
| Money market and others | $388.1M | $329.1M | ||
| Time deposits greater than $250 | $684.0M | $565.8M | ||
| Other time deposits | $687.7M | $627.4M | ||
| Total deposits | $2.3B | $2.0B | ||
| "Federal Home Loan Bank (""FHLB"") advances" | $75.0M | $95.0M | ||
| Subordinated note (net of unamortized debt issuance cost of $414,000) | $24.6M | $0 | ||
| Accrued interest payable | $14.6M | $16.1M | ||
| Operating lease liabilities | $11.2M | $7.9M | $9.3M | |
| Other liabilities | $16.4M | $14.8M | ||
| Total liabilities | $2.4B | $2.2B | ||
| Preferred stock no par value; 10,000,000 shares authorized; no shares issued or outstanding | $0 | $0 | ||
| Common stock no par value; 50,000,000 shares authorized; 14,889,540 and 14,819,866 shares issued and outstanding | $73.0M | $73.7M | ||
| Additional paid-in capital | $11.8M | $11.9M | ||
| Retained earnings | $153.3M | $134.8M | ||
| Accumulated other comprehensive loss, net of tax | -$10.3M | -$15.4M | ||
| Total shareholders equity | $227.9M | $205.0M | $192.6M | $176.9M |
| Total liabilities and shareholders' equity | $2.7B | $2.4B | ||
| Net Loans, net of allowance for credit losses | $28.0M | $24.8M | $22.0M | $19.2M |
| Unamortized debt issuance cost | $414.0K | |||
| Preferred stock, par value (USD per share) | $0 | $0 | ||
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | ||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | ||
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | ||
| Common stock, par value (USD per share) | $0 | $0 | ||
| Common stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | ||
| Common stock, shares issued (in shares) | 14.9M shares | 14.8M shares | ||
| Common stock, shares outstanding (in shares) | 14.9M shares | 14.8M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $25.6M | $21.1M | $23.9M |
| Provision for credit losses | $3.6M | $2.8M | $1.7M |
| Deferred income tax expense (benefit) | $81.0K | -$1.6M | $3.0K |
| Depreciation, amortization and accretion, net | $7.3M | $4.6M | $4.5M |
| Gains on sale of loans | -$7.1M | -$8.3M | -$7.8M |
| Stock-based compensation | $699.0K | $1.2M | $1.3M |
| Earnings on company owned life insurance | -$704.0K | -$679.0K | -$620.0K |
| OREO valuation adjustment and loss on sale | $56.0K | $0 | $0 |
| Proceed from OREO sale | $829.0K | $0 | $0 |
| Origination of loans held-for-sale | -$133.0M | -$134.7M | -$107.6M |
| Proceeds from sales of loans held-for-sale | $130.5M | $137.4M | $154.6M |
| Accrued interest receivable and other assets | -$2.3M | $10.4M | -$8.1M |
| Accrued interest payable and other liabilities | $590.0K | -$958.0K | $6.0M |
| Net cash provided by operating activities | $26.2M | $31.2M | $67.8M |
| Net change in loans receivable | -$211.6M | -$183.6M | -$57.9M |
| Proceeds from matured, called, or paid-down AFS debt securities | $30.7M | $27.7M | $24.4M |
| Purchase of AFS debt securities | -$29.6M | -$19.1M | -$5.6M |
| Purchase of loans | -$23.7M | -$6.4M | -$27.6M |
| Purchase of FHLB stock | -$541.0K | -$87.0K | -$4.0M |
| Purchase of premises and equipment, net | -$2.8M | -$1.6M | -$2.2M |
| Net change in investments in low-income housing partnerships | -$5.5M | -$4.3M | -$2.8M |
| Net cash used in investing activities | -$243.0M | -$187.3M | -$75.9M |
| Net change in deposits | $253.3M | $219.7M | -$78.2M |
| Proceeds from stock option exercise | $0 | $160.0K | $888.0K |
| Proceeds from FHLB advances | $125.0M | $20.0M | $105.0M |
| Repayment of FHLB advances | -$145.0M | -$30.0M | $0 |
| Proceeds from issuance of subordinated note, net of cost | $24.6M | $0 | $0 |
| Repurchase of common stock | -$706.0K | -$2.7M | -$3.9M |
| Cash dividend paid on common stock | -$7.1M | -$7.1M | -$7.3M |
| Payments related to tax-withholding for vested restricted stock awards | -$778.0K | -$197.0K | -$98.0K |
| Net cash provided by financing activities | $249.2M | $199.8M | $16.4M |
| Net change in cash and cash equivalents | $32.4M | $43.7M | $8.2M |
| Federal | $4.3M | $5.0M | $4.4M |
| Total income taxes paid | $7.5M | $8.3M | $8.4M |
| Interest | $73.5M | $68.6M | $43.1M |
| Initial recognition of right-of-use assets | $3.5M | $984.0K | $1.4M |
| New commitments to low income housing partnership investments | $5.0M | $0 | $6.0M |
| Transfer of loan to OREO | $0 | $1.2M | $0 |
No quarter-by-quarter statement was filed.
Corporate structure
OP Bancorp sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of OP Bancorp
- BlackRock Filed SCHEDULE 13G on OP Bancorp, latest Jul 29, 2026
- AllianceBernstein Filed SCHEDULE 13G/A on OP Bancorp, latest Nov 14, 2025
- Brian Choi Filed SC 13G/A on OP Bancorp, latest Feb 9, 2024 (2 filings since Mar 14, 2023)
- EJF Capital LP Filed SC 13G/A on OP Bancorp, latest Feb 14, 2023
- OP Bancorp Los Angeles, California, United States
- Open Bank Subsidiary · Los Angeles, California, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What OP Bancorp reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $20.5M5 Dec 31, 2025 | $18.8M5 Dec 31, 2024 | +9.3% |
| Accumulated depreciation | $14.7M5 Dec 31, 2025 | $13.3M5 Dec 31, 2024 | +10.8% |
| Property and equipment, net | $5.7M5 Dec 31, 2025 | $5.4M5 Dec 31, 2024 | +5.4% |
| Operating-lease assets (leased space) | $8.8M5 Dec 31, 2025 | $7.4M5 Dec 31, 2024 | +18.7% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $167.3M5 Dec 31, 2025 | $134.9M5 Dec 31, 2024 | +24.0% |
| Debt securities available for sale | $185.9M9 Dec 31, 2024 | $194.2M9 Dec 31, 2023 | −4.3% |
| Equity securities at fair value | $3.8M5 Dec 31, 2025 | $3.5M5 Dec 31, 2024 | +6.4% |
| Loans, net of allowance | $2.2B5 Dec 31, 2025 | $1.9B5 Dec 31, 2024 | +12.1% |
| Deposits held (banks) | $2.3B5 Dec 31, 2025 | $2.0B5 Dec 31, 2024 | +12.5% |
Properties, in its own words
Our principal office is located at 1000 Wilshire Blvd., Suite 500, Los Angeles, California 90017. The Company operates twelve leased full-service branches, five leased loan production offices, and one leased administrative office, and maintains its headquarters at a leased location. We believe our current facilities are adequate to support our operational needs.
Item 2 of the 10-K filed Mar 13, 2026.4
Leadership
Who has led OP Bancorp, and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
Chief operating officer
- Chief executive officerSang Kyo Oh Jun 24, 2025 to now13
- Chief financial officerChristine Yoon Oh Mar 27, 2018 to now14
- Chief operating officerChristine Yoon Oh May 29, 2025 to now15
Board members and other officers (21)
- Chief Credit OfficerYeong Gwon Pak Jan 6, 2025 to now16
- Chief Lending OfficerJimmy M. Bang Apr 10, 2025 to now17
- Chief Technology OfficerWesley Won Apr 10, 2025 to now18
- Chief Risk OfficerKathrine Duncan Jun 27, 2022 to Jun 27, 202219
- Chief Lending OfficerKi Won Yoon Jun 27, 2022 to now20
- Chief Banking OfficerIhnsuk Jimmy Bang Jul 18, 2022 to now21
- Chief Risk OfficerJae H. Park Jul 18, 2022 to now22
- Chief SBA OfficerRyan Shin Jul 18, 2022 to now23
- CHIEF CREDIT OFFICERSang Kyo Oh Oct 27, 2020 to Jun 26, 202424
- Chief Credit OfficerSteve K. Park Mar 27, 2018 to Jul 31, 202025
- OfficerChristine Yoon Oh Mar 29, 2018 to Mar 29, 201826
- Board memberKi Won Yoon Jun 27, 2025 to now27
- Board memberSang Kyo Oh Jul 1, 2025 to now28
- Board memberMyung Shin Sohn Jul 2, 2024 to now29
- Board memberSunny Kwon Jun 23, 2023 to now30
- Board memberErnest Dow Mar 27, 2018 to Jul 2, 202431
- Board memberJason Hwang Mar 27, 2018 to Mar 18, 202232
- Board memberMyung Park Mar 27, 2018 to Jun 23, 202333
- Board memberOck Hee Kim Mar 27, 2018 to Jun 23, 202334
- Board memberSoo Hun Jung Mar 27, 2018 to now35
- Board memberYong Sin Shin Mar 27, 2018 to now36
Timeline
- Jul 23, 20268-K Results of operations; Regulation FD disclosure; Other events37
- May 28, 20268-K Shareholder vote38
- Apr 23, 20268-K Results of operations; Regulation FD disclosure; Other events39
- Jan 22, 20268-K Results of operations; Regulation FD disclosure; Other events40
- Nov 10, 20258-K Entered a material agreement; New debt or obligation; Regulation FD disclosure41
- Oct 23, 20258-K Results of operations; Regulation FD disclosure; Other events42
- Aug 29, 20258-K Other events43
- Jul 24, 20258-K Results of operations; Regulation FD disclosure; Other events44
- Jun 27, 20258-K Shareholder vote45
- Jun 24, 2025New chief executive Sang Kyo Oh becomes CEO13
- May 29, 20258-K Executive or director change46
- Apr 24, 20258-K Results of operations; Other events47
- Mar 4, 20258-K Executive or director change48
- Mar 21, 2016Founded OP Bancorp is founded2
Calendar
Coming up
- Oct 22, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.45 a share, on Oct 23, 2025.49
When it reported results
- Jul 23, 2026Reported quarterly or annual results37
- Apr 23, 2026Reported quarterly or annual results39
- Jan 22, 2026Reported quarterly or annual results40
- Oct 23, 2025Reported quarterly or annual results42
- Jul 24, 2025Reported quarterly or annual results44
- Apr 24, 2025Reported quarterly or annual results47
- Jan 23, 2025Reported quarterly or annual results50
- Oct 24, 2024Reported quarterly or annual results51
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
211 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 34 major events, 139 insider forms, 9 large holders, 9 other. The latest 20:
- Aug 7, 202610-Q EDGAR
- Jul 29, 2026SCHEDULE 13G EDGAR
- Jul 23, 20268-K EDGAR
- Jul 1, 20264 EDGAR
- Jun 25, 20264 EDGAR
- Jun 12, 20264 EDGAR
- Jun 10, 2026144 EDGAR
- Jun 9, 20264 EDGAR
- May 29, 20264 EDGAR
- May 29, 20264 EDGAR
- May 29, 20264 EDGAR
- May 29, 20264 EDGAR
- May 29, 20264 EDGAR
- May 29, 20264 EDGAR
- May 28, 20268-K EDGAR
- May 26, 20264 EDGAR
- May 15, 202610-Q EDGAR
- May 11, 2026NT 10-Q EDGAR
- Apr 23, 20268-K EDGAR
- Apr 16, 2026ARS EDGAR
The 211 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
65 open-market trades by officers, directors and large owners since October 2021: 55 buys and 10 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Jun 12, 2026 | Oh Christine YoonChief Operating Officer | Sale | 1,549 | $14.20 | $22.0K | Form 4 |
| Jun 11, 2026 | Oh Christine YoonChief Operating Officer | Sale | 8,251 | $14.08 | $116.2K | Form 4 |
| Jun 10, 2026 | Oh Christine YoonChief Operating Officer | Sale | 12,018 | $14.29 | $171.7K | Form 4 |
| Mar 12, 2026 | Park JaehyunChief Financial Officer | Sale | 958 | $12.91 | $12.4K | Form 4 |
| May 30, 2025 | Sohn Myung ShinDirector | Buy | 2,000 | $12.38 | $24.8K | Form 4 |
| Aug 15, 2024 | YOON KI WONDirector | Sale | 3,000 | $12.49 | $37.5K | Form 4 |
| Aug 14, 2024 | YOON KI WONDirector | Sale | 5,000 | $12.18 | $60.9K | Form 4 |
| Feb 6, 2024 | CHOI BRIANDirector | Buy | 4,914 | $9.95 | $48.9K | Form 4 |
| Jun 14, 2023 | SHIN YONG SINDirector | Buy | 6,486 | $8.50 | $55.1K | Form 4 |
| Jun 7, 2023 | CHOI BRIANDirector | Buy | 4,490 | $8.85 | $39.7K | Form 4 |
| Jun 6, 2023 | CHOI BRIANDirector | Buy | 510 | $8.79 | $4.5K | Form 4 |
| Jun 2, 2023 | CHOI BRIANDirector | Buy | 7,363 | $8.16 | $60.1K | Form 4 |
| May 19, 2023 | CHOI BRIANDirector | Sale | 1,363 | $7.88 | $10.7K | Form 4 |
| May 18, 2023 | CHOI BRIANDirector | Sale | 10,000 | $8.00 | $80.0K | Form 4 |
| Mar 15, 2023 | JUNG SOO HUNDirector | Buy | 3,000 | $9.24 | $27.7K | Form 4 |
| Mar 13, 2023 | CHOI BRIANDirector | Buy | 22,500 | $9.82 | $220.9K | Form 4 |
| Mar 10, 2023 | CHOI BRIANDirector | Buy | 7,500 | $10.37 | $77.8K | Form 4 |
| Feb 8, 2023 | CHOI BRIANDirector | Buy | 2,182 | $11.65 | $25.4K | Form 4 |
| Feb 7, 2023 | CHOI BRIANDirector | Buy | 7,570 | $11.82 | $89.5K | Form 4 |
| Feb 6, 2023 | CHOI BRIANDirector | Buy | 15,000 | $11.81 | $177.2K | Form 4 |
All 65 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- BlackRockSCHEDULE 13G, 1 filing Jul 29, 202652
- AllianceBernsteinSCHEDULE 13G/A, 1 filing Nov 14, 202553
- Brian ChoiSC 13G/A, 2 filings Mar 14, 2023 to Feb 9, 202454
- EJF Capital LPSC 13G/A, 1 filing Feb 14, 202355
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Sang K. Oh | 54 | $341.9K | $1.2M56 |
| 2025 | Min J. Kim | $301.4K | $837.1K56 | |
| 2025 | Christine Y. Oh | 59 | $343.0K | $502.9K56 |
| 2025 | Jimmy M. Bang | 54 | $237.8K | $451.5K56 |
| 2024 | President and Chief Executive Officer as of June 302025 | $576.3K | $915.3K56 | |
| 2024 | Executive VicePresident and Chief Operating Officer | $337.5K | $425.8K56 | |
| 2024 | President and Chief Executive Officer as of December 312025 | $287.4K | $362.4K56 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 97. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How OP Bancorp is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGAROP Bancorp1
- CIK0001722010
- Employer ID (EIN)81-31146764
- Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
- Incorporated inCalifornia4
- Fiscal year endsDecember 311
- Industry code (SIC)6022 State Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address1000 Wilshire Blvd., Suite 500, Los Angeles, CA 900171
- Phone213-892-11921
- Shares outstanding14,932,615 as of Jul 31, 202611
- Public float$158.0M as of Jun 30, 20254
- AuditorCrowe LLP, Los Angeles, California PCAOB ID 173; it also attests to the company’s internal control over financial reporting4
- On EDGAR sinceNov 22, 20171
- Filings423 in all: 4 (244), 8-K (62), 10-Q (26), 3 (23), DEF 14A (9), SC 13G (9), 10-K (8), SC 13G/A (8)1
All 32 form types
3/A (4), 4/A (3), 10-K/A (2), 5 (2), CORRESP (2), S-1/A (2), S-8 (2), 144 (1), 424B4 (1), 8-A12B (1), 8-K/A (1), ARS (1), CERT (1), DRS (1), DRS/A (1), DRSLTR (1), EFFECT (1), FWP (1), NT 10-K (1), NT 10-Q (1), S-1 (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1), UPLOAD (1)
- Latest filingsAnnual report (10-K) Mar 13, 2026
Quarterly report (10-Q) Aug 7, 2026
Proxy statement (DEF 14A) Apr 16, 2026
Latest 8-K (8-K) Jul 23, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, no par value | OPBK | The Nasdaq |
From the cover page of the 10-K filed Mar 13, 2026 (Section 12(b) of the Exchange Act).4
Risk factors and legal proceedings
The risks OP Bancorp names in Item 1A of its 10-K filed Mar 13, 2026: 39 risks under these headings, as written.4
- Risks Related to Our Business
- Interruptions, cyber-attacks, fraudulent activity or other security breaches could have a material adverse effect on our business.
- Our profitability is dependent upon the geographic concentration of the markets in which we operate.
- Our operations could be disrupted by our third‑party service providers, including risks arising from their use of artificial intelligence technologies, experiencing difficulty in providing their services, terminating their services, or failing to comply with banking regulations.
- Adverse conditions in Asia and elsewhere could adversely affect our business.
- Volatility and uncertainty in interest rates have adversely affected, and may continue to adversely affect, our loan portfolio, interest income, and financial condition, and may result in increased credit losses or higher provision expense.
- Liquidity risks could affect operations and adversely affect our business, financial condition, and results of operations.
- Our operations and financial performance may be adversely affected by a prolonged or recurring shutdown of the U.S. federal government.
- Risks Related to Our Loans
- Because a significant portion of our loan portfolio is comprised of real estate loans, negative changes in the economy affecting real estate values and liquidity could impair the value of collateral securing our real estate loans and result in loan and other losses.
- The small- and medium-sized businesses that we lend to may have fewer resources to weather adverse business developments, which may impair a borrower’s ability to repay a loan, and such impairment could adversely affect our business, financial condition and results of operations.
- Our single family residential loan product consists primarily of non-qualified single family home mortgage loans which may be considered less liquid and more risky.
The other 29 risks
- Lack of seasoning of our loan portfolio could increase risk of credit defaults in the future.
- Risks Related to our SBA Loan Program
- SBA lending is an important part of our business. Our SBA lending program is dependent upon the U.S. federal government, and we face specific risks associated with originating SBA loans.
- The recognition of gains on the sale of SBA loans and related servicing asset valuations is subject to significant assumptions and SBA lending exposes us to credit and repurchase risks.
- Risk Related to Our Deposits
- Our deposit portfolio includes significant concentrations and a large percentage of our deposits is attributable to a relatively small number of clients.
- Risks Related to our Management
- We are highly dependent on our management team, and the loss of our senior executive officers or other key employees could harm our ability to implement our strategic plan, impair our relationships with customers and adversely affect our business, results of operations and growth prospects.
- Risks Related to our Credit Quality
- Our allowance for credit losses may prove to be insufficient to absorb potential losses in our loan portfolio.
- Environmental liabilities could materially and adversely affect our business and financial condition.
- Risks Related to our Growth Strategy
- We may not be able to continue growing our business, particularly if we cannot increase loans and deposits through organic growth.
- Our ability to expand our business or make strategic acquisitions outside of California may be limited by our license agreement that restricts our ability to use the name “Open Bank.”
- New lines of business or new products and services may subject us to additional risks.
- Risks Related to Our Capital
- We may need to raise additional capital in the future, and if we fail to maintain sufficient capital, whether due to losses, an inability to raise additional capital or otherwise, our financial condition, liquidity and results of operations, as well as our ability to maintain regulatory compliance, would be adversely affected.
- We are committed to contribute 10% of our consolidated after-tax net income to the Open Stewardship Foundation.
- Risks Related to Competition
- Our modest size makes it more difficult for us to compete.
- We focus on marketing our services to a limited segment of the population and any adverse change impacting such segment is likely to have an adverse impact on us.
- Other Risks Related to Our Business
- Our reputation may be adversely affected by the soundness of other financial institutions.
- Risks Related to Finance and Accounting
- Our accounting estimates and risk management processes rely on analytical and forecasting models.
- We have significant deferred tax assets and we cannot assure that it will be fully realized.
- Failure to maintain effective internal controls over financial reporting could have a material adverse effect on our business and stock price.
- Risks Related to Legislation and Regulation
- Federal and state regulators periodically examine our business, and adverse examination findings could materially affect our operations.
- We are subject to extensive anti-money laundering laws, and failures to comply could result in significant penalties and reputational harm.
- Privacy, information security and data protection regulations could increase our costs and limit our business activities.
- Risks Related to Our Common Stock
- The trading volume in our common stock is less than that of other larger financial services companies.
- The provisions of our subordinated debt documents restrict our ability to pay dividends or repurchase our stock in certain circumstances.
- The trading price of our common stock could be volatile.
- If equity research analysts do not publish research or reports about our business, or if they do publish such reports but issue unfavorable commentary or downgrade our common stock, the price and trading volume of our common stock could decline.
- Our dividend policy and/or share repurchase program may change without notice, and our future ability to pay dividends or repurchase or redeem shares is subject to restrictions.
- We have limited the circumstances in which our directors will be liable for monetary damages.
- Provisions in our charter documents and California law may have an anti-takeover effect, and there are substantial regulatory limitations on changes of control of bank holding companies.
- We are a smaller reporting company and the reduced regulatory and reporting requirements applicable to smaller reporting companies may make our common stock less attractive to investors.
Legal proceedings
In the normal course of business, we are subject to legal proceedings or claims. Management has reviewed all legal claims against us and possible loss contingencies, and does not expect the amounts to be material to any of the Consolidated Financial Statements.
The opening of Item 3, Legal Proceedings.4
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1SEC EDGAROP Bancorp filings on SEC EDGAR
- 2
- 3SEC EDGAROP Bancorp filings on SEC EDGAR
- 4
- 5SEC EDGAROP Bancorp 10-K for fiscal 2025
- 6SEC EDGAROP Bancorp 10-K for fiscal 2019
- 7SEC EDGAROP Bancorp 10-K for fiscal 2020
- 8SEC EDGAROP Bancorp 10-K for fiscal 2021
- 9SEC EDGAROP Bancorp 10-K for fiscal 2022
- 10SEC EDGAROP Bancorp 10-Q for fiscal 2026
- 11SEC EDGAROP Bancorp 10-Q for fiscal 2026
- 12SEC EDGAROP Bancorp 10-K for fiscal 2019
- 13SEC EDGARSang Kyo Oh, Chief executive officer
- 14
- 15
- 16SEC EDGARYeong Gwon Pak, Chief Credit Officer
- 17SEC EDGARJimmy M. Bang, Chief Lending Officer
- 18SEC EDGARWesley Won, Chief Technology Officer
- 19SEC EDGARKathrine Duncan, Chief Risk Officer
- 20SEC EDGARKi Won Yoon, Chief Lending Officer
- 21
- 22SEC EDGARJae H. Park, Chief Risk Officer
- 23SEC EDGARRyan Shin, Chief SBA Officer
- 24SEC EDGARSang Kyo Oh, CHIEF CREDIT OFFICER
- 25SEC EDGARSteve K. Park, Chief Credit Officer
- 26SEC EDGARChristine Yoon Oh, Officer
- 27SEC EDGARKi Won Yoon, Board member
- 28SEC EDGARSang Kyo Oh, Board member
- 29SEC EDGARMyung Shin Sohn, Board member
- 30SEC EDGARSunny Kwon, Board member
- 31SEC EDGARErnest Dow, Board member
- 32SEC EDGARJason Hwang, Board member
- 33SEC EDGARMyung Park, Board member
- 34SEC EDGAROck Hee Kim, Board member
- 35SEC EDGARSoo Hun Jung, Board member
- 36SEC EDGARYong Sin Shin, Board member
- 37
- 38SEC EDGARShareholder vote
- 39
- 40
- 41
- 42
- 43SEC EDGAROther events
- 44
- 45SEC EDGARShareholder vote
- 46SEC EDGARExecutive or director change
- 47SEC EDGARResults of operations; Other events
- 48SEC EDGARExecutive or director change
- 49NasdaqNasdaq calendar
- 50
- 51
- 52SEC EDGARBlackRock SCHEDULE 13G on OP Bancorp
- 53
- 54SEC EDGARBrian Choi SC 13G/A on OP Bancorp
- 55
- 56