OP Bancorp首季淨收入723萬美元 按年增長30%

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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 March 31, 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 April 30, 2026 was 14,894,239. 

 

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
48

Item 4.Controls and Procedures
49

PART II - OTHER INFORMATION

Item 1.Legal Proceedings
51

Item 1A.Risk Factors
51

Item 2.Unregistered Sales of Equity Securities and Use of Proceeds
64

Item 5.Other Information
64

Item 6.Exhibits
65

SIGNATURES
66

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 March 31, 2026. The Company’s primary business operations are conducted through its wholly owned subsidiary, Open Bank, a California chartered commercial bank (“Bank”), and unless the context requires otherwise, statements about the Company generally are intended to describe the consolidated operations of the Company and the Bank.
FORWARD-LOOKING STATEMENTS

Certain matters set forth herein constitute “forward-looking statements” within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. All statements that are not statements of historical fact are forward-looking. Forward-looking statements in this report include comments about the Company’s current business plans and expectations regarding future operating results, as well as management’s statements about expected future events and economic developments, plans, strategies and objectives. All such statements reflect the current intentions, beliefs and expectations of the Company’s executive management based on currently available information and current and expected market conditions. Forward-looking statements can sometimes be identified by the use of forward-looking language, such as “likely result in,” “expects,” “anticipates,” “estimates,” “forecasts,” “projects,” “intends to,” or may include other similar words or phrases, such as “believes,” “plans,” “trend,” “objective,” “continues,” “remains,” or similar expressions, or future or conditional verbs, such as “will,” “would,” “should,” “could,” “may,” “might,” “can,” or similar verbs. Readers should not construe these statements as assurances of a given level of performance, or as promises that we will take the actions our management currently expects.

Our forward-looking statements are subject to risks and uncertainties that could cause actual results, performance or achievements to differ materially from those projected, or that could cause us to change plans or strategies or otherwise to take actions that differ from those we currently expect. The known risks and uncertainties that may have these effects are described in Part II, Item 1A, of this Form 10-Q, and in our other filings with the Securities and Exchange Commission. You should read all forward-looking statements in the context of the foregoing and should not consider them to be reliable predictions of future events or as assurances of a particular level of performance or intended course of action. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update or review any forward-looking statement, whether as a result of new information, future developments or otherwise.

1

PART I - FINANCIAL INFORMATION

Item 1. Financial Statements (unaudited)

OP BANCORP AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS

($ in thousands)March 31, 2026 (Unaudited)December 31, 2025
ASSETS
Cash and due from banks$12,842 $10,911 
Interest-bearing deposits with banks147,418 156,400 
Cash and cash equivalents160,260 167,311 
Available-for-sale ("AFS") debt securities, at fair value209,006 192,785 
Other investments17,213 17,208 
Loans held-for-sale9,498 11,443 
Net loans (net of allowance for credit losses on loans of $28,406 and $27,975)
2,205,853 2,165,694 
Premises and equipment, net5,516 5,744 
Accrued interest receivable10,683 10,482 
Servicing assets9,834 10,057 
Company owned life insurance23,794 23,616 
Deferred tax assets, net12,417 12,438 

Operating right-of-use assets8,253 8,804 
Other assets26,300 24,644 
TOTAL ASSETS$2,698,627 $2,650,226 

LIABILITIES
Deposits:
Noninterest-bearing$546,550 $520,865 
Interest-bearing:
Money market and others398,756 388,066 
Time deposits greater than $250743,153 683,956 
Other time deposits638,835 687,660 
Total deposits2,327,294 2,280,547 
Federal Home Loan Bank ("FHLB") advances75,000 75,000 
Subordinated note (net of unamortized debt issuance cost of $392 and $414)
24,607 24,586 
Accrued interest payable15,181 14,595 
Operating lease liabilities10,508 11,175 
Other liabilities13,326 16,430 
Total liabilities2,465,916 2,422,333 
SHAREHOLDERS' EQUITY
Preferred stock – no par value; 10,000,000 shares authorized; no shares issued or outstanding
— — 
Common stock – no par value; 50,000,000 shares authorized; 14,894,239 and 14,889,540 shares issued and outstanding
73,018 73,018 
Additional paid-in capital11,995 11,849 
Retained earnings158,730 153,283 
Accumulated other comprehensive loss, net of tax(11,032)(10,257)
Total shareholders’ equity232,711 227,893 
TOTAL LIABILITIE