Op Bancorp ( (OPBK) ) has released its Q3 earnings. Here is a breakdown of the information Op Bancorp presented to its investors.
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OP Bancorp, the parent company of Open Bank, operates in the financial sector, providing banking services primarily to small- and medium-sized businesses, with a focus on Korean and other ethnic minority communities across several U.S. states. In its latest earnings report for the third quarter of 2025, OP Bancorp announced a net income of $6.7 million, reflecting a 6% increase from the previous quarter, with diluted earnings per share rising to $0.45. The company reported a 3% increase in revenue and a 3% decrease in noninterest expenses, leading to an improved efficiency ratio of 55.68%. The bank’s net interest margin expanded slightly to 3.26%, supported by loan growth and stable credit quality. Additionally, the company’s return on average assets and equity improved, indicating enhanced profitability and efficient asset utilization. Looking ahead, OP Bancorp’s management remains focused on sustainable growth and sound financial management, aiming to maintain its strong credit quality and operational discipline.