Short answer
OP Bancorp (OPBK) filed its Q2 2026 10-Q quarterly report on Aug 7, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $515,000 (down 49.4% year over year) with net income of $8M.
Q2 2026 key financials · XBRL
- Revenue
- $515,000
- −49.4% YoY · +11.2% QoQ
- Net income
- $8M
- +26.0% YoY · +10.3% QoQ
- EPS (diluted)
- $0.54
- +28.6% YoY · +12.5% QoQ
Source: XBRL data from the OP Bancorp (OPBK) Q2 2026 10-Q on SEC EDGAR. USD.
OP Bancorp Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue proxy net interest income $20.1M, up 2% YoY from $19.7M
- Net interest margin 3.08% vs 3.23% YoY
- SBA loan-sale gains $3.4M, up 134% from $1.4M
- Net income $8.0M, up 26% from $6.3M
- Second-quarter provision reversal $149K vs $1.2M provision YoY
Risk Factors
- Newly added SBA eligibility risk triggered by February 2026 rule eliminating limited non-U.S. ownership exception effective March 1, 2026
- Most materially updated third-party risk: vendor AI use expands oversight obligations for privacy, bias, model performance, and compliance
- Regulatory risk: SBA could revoke Preferred Lender status for risk-management weaknesses, reducing customer retention and originations
- Near-term market risk: elevated and uncertain interest rates may suppress borrowing, weaken loan balances, and increase credit losses
- Financial concentration risk: significant deposits from relatively few clients could require higher-cost replacement funding if withdrawn
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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