OP Bancorp reported net income of $6.7 million for the third quarter of 2025, up from $6.3 million in the previous quarter and $5.4 million in the third quarter of 2024. Net interest income for the quarter was $20.35 million, compared to $19.72 million in the second quarter of 2025 and $16.51 million in the third quarter of 2024. The net interest margin increased by 3 basis points to 3.26%. The efficiency ratio improved to 55.68%. Total capital ratio was 12.17%, compared to 12.26% in the previous quarter and 12.79% a year earlier. Risk-weighted assets were $2.13 billion as of September 30, 2025. Credit quality and allowance for credit losses remained stable.
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 via Business Wire (Ref. ID: 20251023737701) on October 23, 2025, and is solely responsible for the information contained therein.
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