OP Bancorp次季純利增26%至798萬美元 派息增至每股0.14美元

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UNITED STATES 
SECURITIES AND EXCHANGE COMMISSION 
Washington, D.C. 20549 
________________________
FORM 10-Q
________________________
(Mark One) 
☒
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 

For the quarterly period ended June 30, 2026
or 

☐
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 

For the transition period from ________ to ________

Commission File Number: 001-38437

OP BANCORP
(Exact name of registrant as specified in its charter)

California81-3114676
(State or other jurisdiction of
incorporation or organization)(I.R.S. Employer
Identification No.)
1000 Wilshire Blvd., Suite 500,
Los Angeles, CA
90017
(Address of principal executive offices)(Zip Code)

(213) 892-9999
(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, no par value
OPBK
Nasdaq Global Market

Indicate by check mark whether the Registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the Registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer☐
Accelerated filer☒

Non-accelerated filer☐
Smaller reporting company☒

Emerging growth company☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

Number of shares outstanding of the Registrant’s Common Stock as of July 31, 2026 was 14,932,615. 

 

Table of Contents

Forward-Looking Statements
1

PART I - FINANCIAL INFORMATION

Item 1.Financial Statements (unaudited)
2

Consolidated Balance Sheets
2

Consolidated Statements of Income
3

Consolidated Statements of Comprehensive Income
4

Consolidated Statements of Changes in Shareholders' Equity
5

Consolidated Statements of Cash Flows
6

Notes to Consolidated Financial Statements (Unaudited)
7

1 — Business and Basis of Presentation
7

2 — Securities
7

3 — Loans and Allowance for Credit Losses on Loans
10

4 — Premises and Equipment
19

5 — Servicing Assets
19

6 — Borrowing Arrangements
20

7 — Subordinated Note
20

8 — Commitments and Contingencies
21

9 — Stock-based Compensation Plan
22

10 — Fair Value of Financial Instruments
23

11 — Derivative Financial Instruments
27

12— Regulatory Capital Matters
29

13 — Earnings Per Share
31

Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations
32

Item 3.Quantitative and Qualitative Disclosures About Market Risk
53

Item 4.Controls and Procedures
54

PART II - OTHER INFORMATION

Item 1.Legal Proceedings
55

Item 1A.Risk Factors
55

Item 2.Unregistered Sales of Equity Securities and Use of Proceeds
68

Item 5.Other Information
68

Item 6.Exhibits
69

SIGNATURES
70

INTRODUCTION

This Quarterly Report on Form 10-Q (this "Form 10-Q") is filed by OP Bancorp, a California corporation and a registered bank holding company (“Company”) with respect to its consolidated financial condition, results of operations, and business as of June 30, 2026. The Company’s primary business operations are conducted through its wholly owned subsidiary, Ope