Current Report · Items 2.02, 7.01, 8.01, 9.01 · 8-K

OP Bancorp

OPBKNASDAQEQUITYCurrent

Results of Operations and Financial Condition · Regulation FD Disclosure · Other Events

Filed Jan 22, 2026Accepted Jan 22, 2026, 5:13 PM ESTCIK 1722010Accession 0001628280-26-003119

Company context

OP Bancorp, the holding company for Open Bank (the “Bank”), is a California corporation whose common stock is quoted on the Nasdaq Global Market under the ticker symbol, “OPBK.” The Bank operates general commercial banking business in Los Angeles, Orange, and Santa Clara Counties in California, the Dallas metropolitan area in Texas, and Clark County in Nevada, serving small- and medium-sized businesses, professionals, and local residents with a particular focus on Korean and other Asian communities. The Bank currently operates twelve full-service branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Cerritos, Gardena, Buena Park, Garden Grove and Santa Clara, California, Carrollton, Texas and Las Vegas, Nevada. The Bank also has one loan production office in Bellevue, Washington. The Bank commenced its operations on June 10, 2005 as First Standard Bank and changed its name to Open Bank in October 2010. Its headquarters is located at 1000 Wilshire Blvd., Suite 500, Los Angeles, California 90017. Phone 213.892.9999; www.myopenbank.com.

Current securities

OPBKNASDAQ · EQUITY · Current

Recent company filings

Disclosure sections

Items 2.02, 7.01, 8.01, 9.01

Select an item to read the extracted section. The as-filed document remains the primary evidence.

Item 2.02Item 2.02 - Results of Operations

Item 2.02 Results of Operations and Financial Condition On January 22, 2026, OP Bancorp, (the “Company”), the holding company for Open Bank, issued its press release announcing preliminary unaudited financial results for the fourth quarter and fiscal year ended December 31, 2025. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference in this Item 2.02. The information in this Current Report set forth under this Item 2.02, including exhibit 99.1 hereto, is furnished hereunder and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly stated by specific reference in such filing.

Item 7.01Item 7.01 - Regulation FD Disclosure

Item 7.01 Regulation FD On January 22, 2026, the registrant disclosed a presentation containing certain summary financial information that may be used in discussions with investors and analysts. That presentation is furnished herewith as Exhibit 99.3. The presentation shall not be treated as “filed” for purposes of Section 18 of the Exchange Act, nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Exchange Act or the Securities Act, except as expressly set forth in any such filing.

Item 8.01Item 8.01 - Other Events

Item 8.01. Other Events On January 22, 2026, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.12 per share on its common stock, payable on February 19, 2026, to shareholders of record as of February 5, 2026. The Company issued a press release describing the dividend on January 22, 2026, which is attached hereto as Exhibit 99.2 and incorporated herein by reference. The information set forth in this Item 8.01, including the information in the accompanying press release, is furnished hereunder and shall not be treated as “filed” for purposes of Section 18 of the Exchange Act, nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Exchange Act or the Securities Act, except as expressly set forth in any such filing.

Filed exhibits (2)

EX-99.1 (by filename) opbk8-kerx2025xq4xex991.htm

EX-99.1 2 opbk8-kerx2025xq4xex991.htm EX-99.1 Document News Release OP Bancorp Reports Fourth Quarter 2025 Net Income of $7.1 Million, Diluted EPS of $0.47 compared with third quarter 2025 net income of $6.7 million, diluted EPS of $0.45, and fourth quarter 2024 net income of $5.0 million, diluted EPS of $0.33 Higher net interest income; lower provision for credit losses Los Angeles, CA (January 22, 2026) - OP Bancorp (the “Company”) (NASDAQ: OPBK), parent company of Open Bank, today reported: ($ in thousands, except per share data) As of and For the Quarter Fourth Quarter Highlights 4Q2025 3Q2025 4Q2024 Comparisons reflect 4Q25 vs. 3Q25 ────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────…

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EX-99.2 (by filename) opbk8-kerx2025xq4xex992.htm

EX-99.2 3 opbk8-kerx2025xq4xex992.htm EX-99.2 Document Exhibit 99.2 OP Bancorp Declares Quarterly Cash Dividend of $0.12 per Share LOS ANGELES, January 22, 2026 - OP Bancorp (the “Company”) (NASDAQ: OPBK), the holding company of Open Bank (the “Bank”), announced today that its Board of Directors declared a quarterly cash dividend of $0.12 per share of its common stock. The dividend is payable on or about February 19, 2026 to shareholders of record as of the close of business on February 5, 2026. About OP Bancorp OP Bancorp, the holding company for Open Bank (the “Bank”), is a California corporation whose common stock is quoted on the Nasdaq Global Market under the ticker symbol, “OPBK.” The Bank operates general commercial banking business in Los Angeles, Orange, and Santa Clara Counties in California, the Dallas metropolitan area in Texas, and Clark County in Nevada, serving small- and medium-sized businesses, professionals, and local residents with a particular focus on Korean and other Asian communities. The Bank currently operates with twelve full-service branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Cerritos, Gardena, Bue…

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