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OP Bancorp(OPBK)Earnings, Financials & Key Ratios
OPBK•NASDAQ•Banking & Credit
8.3× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutOP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. As of January 27, 2022, the company operated nine full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas. It also had four loan production offices in Atlanta, Georgia; Aurora, Colorado; and Lynnwood and Seattle in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.Show more
- Net Interest Income$78M+19.4%
- Total Revenue$167M+8.2%
- Net Income$26M+21.8%
- Return on Equity11.85%+11.8%
- Net Interest Margin2.96%+6.6%
- Efficiency Ratio33.47%+2.7%
- ROA1.02%+9.6%
- Equity / Assets8.6%-0.8%
- Book Value per Share15.29+10.9%
OPBK Key Insights
OP Bancorp (OPBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 33.5% efficiency ratio
- ✓Healthy dividend yield of 3.3%
- ✓Trading at only 0.9x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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OPBK Price & Volume
OP Bancorp (OPBK) stock price & volume — 10-year historical chart
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OPBK Growth Metrics
OP Bancorp (OPBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years17.52%
5 Years20.94%
3 Years16.34%
TTM-
Profit CAGR
10 Years15.71%
5 Years14.34%
3 Years-8.34%
TTM21.77%
EPS CAGR
10 Years16.61%
5 Years15.14%
3 Years-7.02%
TTM23.02%
Return on Capital
10 Years14.23%
5 Years14.02%
3 Years7.96%
Last Year2.39%
OPBK Recent Earnings
OP Bancorp (OPBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (67%)●Beat Revenue 5/12 qtrs (56%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.48+17.1%
$0.41
Rev
$25M+0.2%
$25M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$0.47
—
Rev
$43M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.47-9.6%
$0.52
Rev
$24M-2.3%
$25M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.45+2.3%
$0.44
Rev
$24M-0.3%
$25M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.48vs $0.41+17.1% | $25Mvs $25M+0.2% |
| Q2 2026 | Mar 13, 2026 | $0.47 | $43M |
| Q1 2026 | Jan 22, 2026 | $0.47vs $0.52-9.6% | $24Mvs $25M-2.3% |
| Q4 2025 | Oct 23, 2025 | $0.45vs $0.44+2.3% | $24Mvs $25M-0.3% |
Based on last 12 quarters of dataView full earnings history →
OPBK Peer Comparison
OP Bancorp (OPBK) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HAFC | 932.95M | 31.21 | 12.43 | 3.55% | 17.12% | 9.85% | 0.35 | |
 PFBC | 1.21B | 99.04 | 9.51 | -4.11% | 26.59% | 17.29% | 0.49 | |
 BCAL | 634.69M | 19.74 | 10.23 | 26.23% | 27.06% | 11.36% | 0.12 | |
 CLBK | 2.09B | 20.03 | 39.27 | 11.94% | 10.2% | 4.58% | 1.02 | |
 CATY | 3.96B | 59.09 | 13.02 | -0.43% | 22.76% | 10.89% | 0.07 | |
 EBMT | 182.49M | 22.91 | 12.06 | 4.61% | 11.78% | 8.06% | 0.43 | |
 HBCP | 519.47M | 66.28 | 11.29 | 4.93% | 22.01% | 11.03% | 0.13 | |
 BYFC | 92.08M | 9.90 | -3.07 | -3.76% | -39.3% | -9.05% | 0.58 |
Compare OPBK vs Peers
OP Bancorp (OPBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OPBK Income Statement
OP Bancorp (OPBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 35.71M | 40.96M | 44.27M | 45.36M | 61.03M | 76.91M | 68.69M | 65.61M | 78.35M |
NII Growth % | 26.05% | 14.69% | 8.09% | 2.47% | 34.53% | 26.03% | -10.69% | -4.48% | 19.42% |
Net Interest Margin % | 3.96% | 3.92% | 3.75% | 3.32% | 3.53% | 3.67% | 3.2% | 2.77% | 2.96% |
Interest Income | 40.28M | 50.07M | 58.78M | 53.66M | 64.16M | 88.21M | 121.67M | 137.62M | 150.33M |
Interest Expense | 4.57M | 9.11M | 14.51M | 8.29M | 3.13M | 11.3M | 52.98M | 72.01M | 71.98M |
Loan Loss Provision | 1.31M | 1.27M | 1.1M | 5.96M | 522K | 2.98M | 1.65M | 2.76M | 3.58M |
Non-Interest Income | 8.99M | 9.33M | 11.43M | 10.77M | 16.02M | 17.62M | 14.18M | 16.43M | 16.33M |
Non-Interest Income % | 18.24% | 15.71% | 16.28% | 16.72% | 19.98% | 16.65% | 10.44% | 10.66% | 9.8% |
Total Revenue | 49.27M▲ 0% | 59.4M▲ 20.6% | 70.2M▲ 18.2% | 64.43M▼ 8.2% | 80.17M▲ 24.4% | 105.83M▲ 32.0% | 135.85M▲ 28.4% | 154.05M▲ 13.4% | 166.66M▲ 8.2% |
Revenue Growth % | 21.03% | 20.56% | 18.2% | -8.23% | 24.44% | 32% | 28.36% | 13.4% | 8.19% |
Non-Interest Expense | 26.26M | 29.56M | 32.52M | 31.94M | 35.87M | 44.83M | 47.73M | 50.2M | 55.77M |
Efficiency Ratio | 53.29% | 49.77% | 46.32% | 49.58% | 44.73% | 42.36% | 35.13% | 32.59% | 33.47% |
Operating Income | 17.13M▲ 0% | 19.46M▲ 13.6% | 22.08M▲ 13.5% | 18.23M▼ 17.4% | 40.66M▲ 123.0% | 46.72M▲ 14.9% | 33.49M▼ 28.3% | 29.08M▼ 13.2% | 35.33M▲ 21.5% |
Operating Margin % | 34.76% | 32.76% | 31.45% | 28.3% | 50.71% | 44.15% | 24.65% | 18.88% | 21.2% |
Operating Income Growth % | 39.03% | 13.6% | 13.46% | -17.4% | 122.97% | 14.93% | -28.32% | -13.17% | 21.49% |
Pretax Income | 17.13M▲ 0% | 19.46M▲ 13.6% | 22.08M▲ 13.5% | 18.23M▼ 17.4% | 40.66M▲ 123.0% | 46.72M▲ 14.9% | 33.49M▼ 28.3% | 29.08M▼ 13.2% | 35.33M▲ 21.5% |
Pretax Margin % | 34.76% | 32.76% | 31.45% | 28.3% | 50.71% | 44.15% | 24.65% | 18.88% | 21.2% |
Income Tax | 7.89M | 5.2M | 5.32M | 5.11M | 11.8M | 13.41M | 9.57M | 8.01M | 9.67M |
Effective Tax Rate % | 46.08% | 26.75% | 24.09% | 28.01% | 29.03% | 28.71% | 28.58% | 27.55% | 27.38% |
Net Income | 9.24M▲ 0% | 14.25M▲ 54.3% | 16.76M▲ 17.6% | 13.13M▼ 21.7% | 28.84M▲ 119.7% | 33.31M▲ 15.5% | 23.92M▼ 28.2% | 21.07M▼ 11.9% | 25.66M▲ 21.8% |
Net Margin % | 18.75% | 24% | 23.87% | 20.37% | 35.97% | 31.47% | 17.61% | 13.68% | 15.39% |
Net Income Growth % | 24.39% | 54.32% | 17.57% | -21.66% | 119.7% | 15.5% | -28.2% | -11.91% | 21.77% |
Net Income (Continuing) | 9.24M | 14.25M | 16.76M | 13.13M | 28.84M | 33.31M | 23.92M | 21.07M | 25.66M |
EPS (Diluted) | 0.66▲ 0% | 0.89▲ 34.8% | 1.03▲ 15.7% | 0.85▼ 17.5% | 1.88▲ 121.2% | 2.14▲ 13.8% | 1.55▼ 27.6% | 1.39▼ 10.3% | 1.72▲ 23.7% |
EPS Growth % | 24.53% | 34.85% | 15.73% | -17.48% | 121.18% | 13.83% | -27.57% | -10.32% | 23.74% |
EPS (Basic) | 0.68 | 0.92 | 1.04 | 0.85 | 1.89 | 2.15 | 1.55 | 1.39 | 1.72 |
Diluted Shares Outstanding | 13.49M | 15.55M | 15.94M | 15.22M | 15.15M | 15.23M | 15.16M | 14.87M | 14.91M |
OPBK Balance Sheet
OP Bancorp (OPBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 104.72M | 133.06M | 142.59M | 198.1M | 265.9M | 292.78M | 285.56M | 135.06M | 434M |
Cash & Due from Banks | 63.25M | 77.73M | 86.04M | 106.31M | 115.46M | 82.97M | 91.31M | 135.04M | 434M |
Short Term Investments | 41.47M | 55.34M | 56.55M | 91.79M | 150.44M | 209.81M | 194.25M | 22K | 30K |
Total Investments | 800.38M | 928.77M | 1.05B | 1.21B | 1.55B | 1.93B | 1.94B | 2.13B | 2.54B |
Investments Growth % | 13.78% | 16.04% | 12.83% | 15.75% | 27.69% | 24.31% | 0.95% | 9.4% | 19.62% |
Long-Term Investments | 758.91M | 873.43M | 991.36M | 1.12B | 1.4B | 1.72B | 1.75B | 2.13B | 2.54B |
Accounts Receivables | 2.46M | 3.07M | 3.17M | 3.98M | 4.58M | 7.18M | 8.26M | 9.19M | 10.48M |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 12.72M | 12.76M | 11.74M | 10.83M | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 12.72M | 12.76M | 11.74M | 10.83M | 0 |
PP&E (Net) | 4.48M | 4.63M | 13.48M | 11.33M | 13.26M | 13.5M | 13.74M | 12.86M | 14.55M |
Other Assets | 27.04M | 26.32M | 25.74M | 27.02M | 23.5M | 38.48M | 65.81M | 56.92M | 58.32M |
Total Current Assets | 107.19M | 136.13M | 145.75M | 202.09M | 270.48M | 299.96M | 293.82M | 144.25M | 21.39M |
Total Non-Current Assets | 793.81M | 908.06M | 1.03B | 1.16B | 1.46B | 1.79B | 1.85B | 2.22B | 2.63B |
Total Assets | 901M▲ 0% | 1.04B▲ 15.9% | 1.18B▲ 13.0% | 1.37B▲ 15.9% | 1.73B▲ 26.3% | 2.09B▲ 21.3% | 2.15B▲ 2.5% | 2.37B▲ 10.2% | 2.65B▲ 12.0% |
Asset Growth % | 18.36% | 15.89% | 12.96% | 15.88% | 26.33% | 21.3% | 2.54% | 10.16% | 12.01% |
Return on Assets (ROA) | 1.11% | 1.47% | 1.51% | 1.03% | 1.86% | 1.74% | 1.13% | 0.93% | 1.02% |
Accounts Payable | 423K | 1.72M | 2.69M | 1.02M | 558K | 2.77M | 12.63M | 16.07M | 14.6M |
Total Debt | 50M | 0 | 10.13M | 13.43M | 10.31M | 10.21M | 114.34M | 102.86M | 121.94M |
Net Debt | -13.25M | -77.73M | -75.91M | -92.88M | -105.15M | -72.76M | 23.03M | -32.19M | -312.06M |
Long-Term Debt | 25M | 0 | 0 | 5M | 0 | 0 | 105M | 95M | 110.76M |
Short-Term Debt | 25M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | -14.21M | 7.51M | 5.42M | 8.92M | 16.54M | 18.83M | 20.58M | 14.81M | 2.31B |
Total Current Liabilities | 798.73M | 906.89M | 1.02B | 1.2B | 1.53B | 1.89B | 1.82B | 2.04B | 11.18M |
Total Non-Current Liabilities | 10.79M | 7.51M | 15.55M | 22.35M | 26.84M | 29.04M | 134.92M | 117.67M | 2.42B |
Total Liabilities | 809.52M | 914.4M | 1.04B | 1.22B | 1.56B | 1.92B | 1.96B | 2.16B | 2.42B |
Total Equity | 91.48M▲ 0% | 129.79M▲ 41.9% | 140.58M▲ 8.3% | 143.37M▲ 2.0% | 165.22M▲ 15.2% | 176.92M▲ 7.1% | 192.63M▲ 8.9% | 204.99M▲ 6.4% | 227.89M▲ 11.2% |
Equity Growth % | 12.54% | 41.87% | 8.31% | 1.98% | 15.24% | 7.08% | 8.88% | 6.42% | 11.17% |
Equity / Assets (Capital Ratio) | 10.15% | 12.43% | 11.92% | 10.49% | 9.57% | 8.45% | 8.97% | 8.66% | 8.6% |
Return on Equity (ROE) | 10.69% | 12.88% | 12.4% | 9.25% | 18.69% | 19.47% | 12.94% | 10.6% | 11.85% |
Book Value per Share | 6.78 | 8.35 | 8.82 | 9.42 | 10.90 | 11.62 | 12.71 | 13.78 | 15.29 |
Tangible BV per Share | 6.78 | 8.35 | 8.82 | 9.42 | 10.06 | 10.78 | 11.93 | 13.06 | 15.29 |
Common Stock | 67.93M | 91.21M | 86.38M | 78.66M | 78.72M | 79.33M | 76.28M | 73.7M | 73.02M |
Additional Paid-in Capital | 5.28M | 6.25M | 7.52M | 8.52M | 8.64M | 9.74M | 10.94M | 11.93M | 11.85M |
Retained Earnings | 18.62M | 32.88M | 46.48M | 55.35M | 79.06M | 105.69M | 120.86M | 134.78M | 153.3M |
Accumulated OCI | -350K | -548K | 188K | 840K | -1.2M | -17.84M | -15.45M | -15.41M | -10.28M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
OPBK Cash Flow Statement
OP Bancorp (OPBK) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -2.15M | 30.61M | 18.98M | -4.85M | -28.28M | 83.73M | 67.84M | 31.34M | 26.16M |
Operating CF Growth % | -120.29% | 1525.48% | -37.98% | -125.56% | -482.93% | 396.11% | -18.98% | -53.8% | -16.54% |
Net Income | 9.24M | 14.25M | 16.76M | 13.13M | 28.84M | 33.31M | 23.92M | 21.07M | 25.64M |
Depreciation & Amortization | 1.01M | 1.04M | 1.15M | 1.3M | 1.31M | 1.37M | 1.34M | 1.36M | 7.26M |
Deferred Taxes | 0 | 0 | 0 | 0 | -2.31M | 1.08M | 626K | -1.6M | 81K |
Other Non-Cash Items | -12.81M | 16.23M | -3.98M | -18.64M | -65.37M | 50.38M | 43.26M | -230K | -5.83M |
Working Capital Changes | -252K | -1.89M | 3.59M | -1.74M | 8.69M | -3.58M | -2.6M | 9.56M | -1.69M |
Cash from Investing | -81.68M | -146.28M | -118.03M | -147.07M | -286.04M | -461.78M | -75.97M | -187.42M | -243.01M |
Purchase of Investments | -13.55M | -23.36M | -16.59M | -66.61M | -99.2M | -116.95M | -8.57M | -23.46M | -29.62M |
Sale/Maturity of Investments | 6.17M | 6.56M | 14.55M | 30.32M | 35.94M | 32.19M | 24.37M | 27.67M | 0 |
Net Investment Activity | -7.38M | -16.8M | -2.04M | -36.29M | -63.26M | -84.76M | 15.79M | 4.21M | -29.62M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -73.88M | -128.29M | -114.25M | -110.16M | -221.66M | -375.61M | -89.58M | -190.06M | -213.39M |
Cash from Financing | 126.95M | 130.15M | 107.36M | 172.29M | 323.47M | 345.56M | 16.37M | 199.8M | 249.22M |
Dividends Paid | 0 | 0 | -3.15M | -4.26M | -5.13M | -6.68M | -7.27M | -7.14M | -7.13M |
Share Repurchases | 0 | 0 | -5.39M | -8.1M | -28K | 0 | -3.93M | -2.74M | -706K |
Stock Issued | 0 | 22.57M | 0 | 0 | 0 | 608K | 0 | 0 | 0 |
Net Stock Activity | 0 | 22.57M | -5.39M | -8.1M | -28K | 608K | -3.93M | -2.74M | -706K |
Debt Issuance (Net) | 1000K | -1000K | 0 | 1000K | -1000K | 0 | 1000K | -1000K | 1000K |
Other Financing | 111.95M | 132.58M | 115.9M | 179.65M | 333.63M | 351.62M | -77.42M | 219.69M | 252.48M |
Net Change in Cash | 43.12M▲ 0% | 14.48M▼ 66.4% | 8.31M▼ 42.6% | 20.37M▲ 145.1% | 9.15M▼ 55.1% | -32.49M▼ 455.1% | 8.24M▲ 125.4% | 43.73M▲ 430.4% | 32.37M▼ 26.0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 20.13M | 63.25M | 77.63M | 85.94M | 106.31M | 115.46M | 82.97M | 91.22M | 134.94M |
Cash at End | 63.25M | 77.73M | 85.94M | 106.31M | 115.46M | 82.97M | 91.22M | 134.94M | 167.31M |
Interest Paid | 4.47M | 7.82M | 13.54M | 9.96M | 3.6M | 9.09M | 43.12M | 68.57M | 73.45M |
Income Taxes Paid | 7.74M | 6.61M | 4.21M | 6.13M | 10.78M | 14.49M | 8.39M | 8.26M | 7.47M |
Free Cash Flow | -2.57M▲ 0% | 29.41M▲ 1245.2% | 17.24M▼ 41.4% | -5.47M▼ 131.7% | -29.4M▼ 437.5% | 82.32M▲ 380.0% | 65.66M▼ 20.2% | 29.78M▼ 54.6% | 23.36M▼ 21.6% |
FCF Growth % | -124.88% | 1245.25% | -41.38% | -131.73% | -437.53% | 379.98% | -20.24% | -54.64% | -21.56% |
OPBK Banking Ratios
OP Bancorp (OPBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 9.66% | 10.69% | 12.88% | 12.4% | 9.25% | 18.69% | 19.47% | 12.94% | 10.6% | 11.85% |
Return on Assets (ROA) | 1.08% | 1.11% | 1.47% | 1.51% | 1.03% | 1.86% | 1.74% | 1.13% | 0.93% | 1.02% |
Net Interest Margin | 3.72% | 3.96% | 3.92% | 3.75% | 3.32% | 3.53% | 3.67% | 3.2% | 2.77% | 2.96% |
Efficiency Ratio | 57.32% | 53.29% | 49.77% | 46.32% | 49.58% | 44.73% | 42.36% | 35.13% | 32.59% | 33.47% |
Equity / Assets | 10.68% | 10.15% | 12.43% | 11.92% | 10.49% | 9.57% | 8.45% | 8.97% | 8.66% | 8.6% |
Book Value / Share | 6.18 | 6.78 | 8.35 | 8.82 | 9.42 | 10.9 | 11.62 | 12.71 | 13.78 | 15.29 |
NII Growth | 25.89% | 26.05% | 14.69% | 8.09% | 2.47% | 34.53% | 26.03% | -10.69% | -4.48% | 19.42% |
Dividend Payout | - | - | - | 18.8% | 32.47% | 17.79% | 20.04% | 30.39% | 33.9% | 27.8% |
Related:OPBK Dividend History·OPBK Revenue History·OPBK Price History·OPBK P/E History·OPBK Financial Ratios·OPBK Institutional Holders
OPBK SEC Filings & Documents
OP Bancorp (OPBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
OPBK Frequently Asked Questions
OP Bancorp (OPBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
OP Bancorp (OPBK) grew revenue by 8.2% over the past year. This is steady growth.
Yes, OP Bancorp (OPBK) is profitable, generating $25.7M in net income for fiscal year 2025 (15.4% net margin).
Dividend & Returns
Yes, OP Bancorp (OPBK) pays a dividend with a yield of 3.33%. This makes it attractive for income-focused investors.
OP Bancorp (OPBK) has a return on equity (ROE) of 11.9%. This is reasonable for most industries.
Industry Metrics
OP Bancorp (OPBK) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.
OP Bancorp (OPBK) has an efficiency ratio of 33.5%. This is excellent, indicating strong cost control.