OP Bancorp (OPBK) Q3 FY2026 earnings

Reported results

• Net income: $7.763 million (GAAP) for Q3 2026, compared with $7.978 million in Q2 2026 and $6.703 million in Q3 2025
• Diluted EPS: $0.52 (GAAP) for Q3 2026, compared with $0.53 in Q2 2026 and $0.45 in Q3 2025
• Net interest income: $22.207 million for Q3 2026, up 11% from $20.068 million in Q2 2026 and up 9% from $20.346 million in Q3 2025
• Net interest margin: 3.27% for Q3 2026, up 19 basis points from 3.08% in Q2 2026 and up 1 basis point from 3.26% in Q3 2025
• Average loans: $2.334 billion for Q3 2026, up 4% from Q2 2026 and up 9% from Q3 2025
• Allowance for credit losses on loans to gross loans: 1.26% as of Q3 2026, compared with 1.24% at Q2 2026 and 1.27% at Q3 2025

Notes

Open Bank elected the Community Bank Leverage Ratio (CBLR) framework effective September 30, 2026 and is no longer subject to risk-based capital ratio requirements. The release includes a one-time $739 thousand adjustment to interest income in Q2 2026 related to correction of prior-period interest accruals on the Federal Reserve Bank account.

Price and volatility reaction

Source

The figures above come from the earnings release the company filed with the SEC on 2026-10-22 (8-K, Item 2.02). Read the original filing on sec.gov.