Short answer
OP Bancorp (OPBK) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $725,000 (down 18.4% year over year) with net income of $7M.
Q3 2025 key financials · XBRL
- Revenue
- $725,000
- −18.4% YoY · −28.7% QoQ
- Net income
- $7M
- +23.3% YoY · +5.8% QoQ
- EPS (diluted)
- $0.46
- +27.8% YoY · +9.5% QoQ
Source: XBRL data from the OP Bancorp (OPBK) Q3 2025 10-Q on SEC EDGAR. USD.
OP Bancorp Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $6.7M, up 23% YoY from $5.4M
- Net interest income $20.3M, up 23% YoY; net interest margin 3.26% vs 2.95%
- CRE strongest line: average balance $1.07B and interest income $16.7M
- Provision for credit losses $1.2M vs $448K; nonperforming loans 0.57% vs 0.40%
- Deposits $2.27B, up 12% since December; loans $2.15B, up 10%
Risk Factors
- Cybersecurity risk heightened by AI-enabled threats and a recent widespread cybersecurity-platform failure
- Leadership-transition risk following CEO retirement and new COO and CFO appointments in 2025
- Regulatory risk from third-party service-provider failures, potentially triggering enforcement actions, fines, or client remediation
- Interest-rate risk from elevated rates reducing borrowing demand and increasing provision expense
- Real-estate concentration risk, with approximately 89% of loans collateralized primarily or secondarily by real estate
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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