OP Bancorp reports $6.7 million net income for Q3 2025

OP Bancorp reported net income of $6.7 million for the third quarter of 2025, up from $6.3 million in the previous quarter. Diluted earnings per share were $0.45, compared to $0.42 in the prior period. Return on assets was 1.0% and return on equity was 12.4%, both slightly higher than the previous quarter’s 1.0% and 12.0%, respectively. The net interest margin increased to 3.3% from 3.2%. The efficiency ratio improved to 55.7% from 59.3%. Total assets grew by 2% to $2.61 billion. Gross loans rose by 4% to $2.15 billion, and total deposits increased by 1% to $2.27 billion. Net charge-offs to average gross loans were 0.04%, down from 0.06%. Nonperforming loans to gross loans were 0.6%, up from 0.4%, and criticized loans to gross loans were 1.3%, up from 1.2%. OP Bancorp maintained a Common Equity Tier 1 ratio of 10.9%. Book value per common share rose to $14.88 from $14.36. The company paid a quarterly cash dividend of $0.12 per share during the period. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. OP Bancorp published the original content used to generate this news brief on October 29, 2025, and is solely responsible for the information contained therein. © Copyright 2025 - Public Technologies (PUBT) Original Document: here