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

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

800.1%Net margin5
-1.7%Revenue growth, 20255
11.2%Return on equity5
$23.4MFree cash flow5

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

Revenue67895$3.2M in 2025+59% since 2019
0$1.0M$2.0M$3.0M$4.0M2019: $2.0M$2.0M20192020: $1.4M$1.4M2020−29%2021: $1.6M$1.6M2021+9%2022: $1.7M$1.7M2022+7%2023: $2.1M$2.1M2023+27%2024: $3.3M$3.3M2024+54%2025: $3.2M$3.2M2025−2%
Net income67895$25.6M in 2025+53% since 2019
0$10.0M$20.0M$30.0M$40.0M2019: $16.8M$16.8M20192020: $13.1M$13.1M2020−22%2021: $28.8M$28.8M2021+120%2022: $33.3M$33.3M2022+15%2023: $23.9M$23.9M2023−28%2024: $21.1M$21.1M2024−12%2025: $25.6M$25.6M2025+22%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
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

Compare OP Bancorp with another company

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

ItemLatestA year beforeChange
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

ItemLatestA year beforeChange
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

  1. Sang Kyo Oh2025–now

Chief financial officer

  1. Christine Yoon Oh2018–now

Chief operating officer

  1. Christine Yoon Oh2025–now
20202025
Board members and other officers (21)

Timeline

  1. Jul 23, 20268-K Results of operations; Regulation FD disclosure; Other events37
  2. May 28, 20268-K Shareholder vote38
  3. Apr 23, 20268-K Results of operations; Regulation FD disclosure; Other events39
  4. Jan 22, 20268-K Results of operations; Regulation FD disclosure; Other events40
  5. Nov 10, 20258-K Entered a material agreement; New debt or obligation; Regulation FD disclosure41
  6. Oct 23, 20258-K Results of operations; Regulation FD disclosure; Other events42
  7. Aug 29, 20258-K Other events43
  8. Jul 24, 20258-K Results of operations; Regulation FD disclosure; Other events44
  9. Jun 27, 20258-K Shareholder vote45
  10. Jun 24, 2025New chief executive Sang Kyo Oh becomes CEO13
  11. May 29, 20258-K Executive or director change46
  12. Apr 24, 20258-K Results of operations; Other events47
  13. Mar 4, 20258-K Executive or director change48
  14. Mar 21, 2016Founded OP Bancorp is founded2

Calendar

Coming up

  1. 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

  1. Jul 23, 2026Reported quarterly or annual results37
  2. Apr 23, 2026Reported quarterly or annual results39
  3. Jan 22, 2026Reported quarterly or annual results40
  4. Oct 23, 2025Reported quarterly or annual results42
  5. Jul 24, 2025Reported quarterly or annual results44
  6. Apr 24, 2025Reported quarterly or annual results47
  7. Jan 23, 2025Reported quarterly or annual results50
  8. 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:

  1. Aug 7, 202610-Q EDGAR
  2. Jul 29, 2026SCHEDULE 13G EDGAR
  3. Jul 23, 20268-K EDGAR
  4. Jul 1, 20264 EDGAR
  5. Jun 25, 20264 EDGAR
  6. Jun 12, 20264 EDGAR
  7. Jun 10, 2026144 EDGAR
  8. Jun 9, 20264 EDGAR
  9. May 29, 20264 EDGAR
  10. May 29, 20264 EDGAR
  11. May 29, 20264 EDGAR
  12. May 29, 20264 EDGAR
  13. May 29, 20264 EDGAR
  14. May 29, 20264 EDGAR
  15. May 28, 20268-K EDGAR
  16. May 26, 20264 EDGAR
  17. May 15, 202610-Q EDGAR
  18. May 11, 2026NT 10-Q EDGAR
  19. Apr 23, 20268-K EDGAR
  20. 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.

DateWhoTradeSharesPriceValueFiling
Jun 12, 2026Oh Christine YoonChief Operating OfficerSale1,549$14.20$22.0KForm 4
Jun 11, 2026Oh Christine YoonChief Operating OfficerSale8,251$14.08$116.2KForm 4
Jun 10, 2026Oh Christine YoonChief Operating OfficerSale12,018$14.29$171.7KForm 4
Mar 12, 2026Park JaehyunChief Financial OfficerSale958$12.91$12.4KForm 4
May 30, 2025Sohn Myung ShinDirectorBuy2,000$12.38$24.8KForm 4
Aug 15, 2024YOON KI WONDirectorSale3,000$12.49$37.5KForm 4
Aug 14, 2024YOON KI WONDirectorSale5,000$12.18$60.9KForm 4
Feb 6, 2024CHOI BRIANDirectorBuy4,914$9.95$48.9KForm 4
Jun 14, 2023SHIN YONG SINDirectorBuy6,486$8.50$55.1KForm 4
Jun 7, 2023CHOI BRIANDirectorBuy4,490$8.85$39.7KForm 4
Jun 6, 2023CHOI BRIANDirectorBuy510$8.79$4.5KForm 4
Jun 2, 2023CHOI BRIANDirectorBuy7,363$8.16$60.1KForm 4
May 19, 2023CHOI BRIANDirectorSale1,363$7.88$10.7KForm 4
May 18, 2023CHOI BRIANDirectorSale10,000$8.00$80.0KForm 4
Mar 15, 2023JUNG SOO HUNDirectorBuy3,000$9.24$27.7KForm 4
Mar 13, 2023CHOI BRIANDirectorBuy22,500$9.82$220.9KForm 4
Mar 10, 2023CHOI BRIANDirectorBuy7,500$10.37$77.8KForm 4
Feb 8, 2023CHOI BRIANDirectorBuy2,182$11.65$25.4KForm 4
Feb 7, 2023CHOI BRIANDirectorBuy7,570$11.82$89.5KForm 4
Feb 6, 2023CHOI BRIANDirectorBuy15,000$11.81$177.2KForm 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.

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.

YearExecutiveAgeSalaryTotal pay
2025Sang K. Oh54$341.9K$1.2M56
2025Min J. Kim$301.4K$837.1K56
2025Christine Y. Oh59$343.0K$502.9K56
2025Jimmy M. Bang54$237.8K$451.5K56
2024President and Chief Executive Officer as of June 302025$576.3K$915.3K56
2024Executive VicePresident and Chief Operating Officer$337.5K$425.8K56
2024President 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.

FundSharesValueShare of the fundChange
Diversify Advisory Services, LLC1,847,777$28.7M0.5%New
Diversify Wealth Management, LLC1,847,777$28.7M0.5%+10,595
BlackRock, Inc.1,000,340$15.0M0.0%+255,379
Dimensional Fund Advisors LP678,645$10.2M0.0%+42,517
Manufacturers Life Insurance Company, The561,436$8.4M0.0%−5,649
Vanguard Capital Management LLC519,413$7.8M0.0%−39,851
Alliancebernstein L.P.505,110$6.7M0.0%−144,643
Geode Capital Management, LLC307,270$4.6M0.0%+40,524
Maltese Capital Management LLC273,967$4.1M0.7%+5,100
Gator Capital Management, LLC270,878$4.1M0.9%+7,465
Truffle Hound Capital, LLC260,000$3.9M2.5%−140,000
Bridgeway Capital Management, LLC189,004$2.8M0.0%−385
Connor, Clark & Lunn Investment Management Ltd.156,511$2.3M0.0%+5,745
State Street Corp155,717$2.3M0.0%+6,191
Arrowstreet Capital, Limited Partnership146,127$2.2M0.0%−9,463
American Century Companies Inc121,109$1.8M0.0%−86
Segall Bryant & Hamill, LLC96,384$1.4M0.0%+59,976
Man Group plc96,016$1.4M0.0%+10,088
Raymond James Financial Inc96,004$1.4M0.0%−1,829
Northern Trust Corp95,786$1.4M0.0%+8,277
Marshall Wace, Llp86,533$1.3M0.0%−36,000
Goldman Sachs Group Inc86,438$1.3M0.0%+2,690
Vanguard Portfolio Management LLC82,402$1.2M0.0%+14,154
Morgan Stanley79,658$1.2M0.0%+36,318
Vanguard Fiduciary Trust Co79,131$1.2M0.0%+4,991

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

ClassSymbolExchange
Common Stock, no par valueOPBKThe 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

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