OP Bancorp

OP Bancorp is a U.S. bank holding company headquartered in Los Angeles, California, operating through its wholly owned subsidiary Open Bank. The company provides commercial community banking services, including lending, deposits, and related banking products, with a focus on small and medium-sized businesses, their owners, retail customers, and Korean-American communities in its core markets.

800,1 %

−1,7 %

— OP Bancorp
%
Commercial lending55% Loans to businesses and property owners, including CRE, C&I, and SBA lending.
Retail and mortgage lending15% Home mortgage and consumer loans offered to individual customers.
Deposit products20% Core deposit accounts used to fund lending and provide transaction services.
Fee and service income10% Deposit-related fees and SBA loan sale/service gains.

OP Bancorp serves small and medium-sized businesses, business owners, and retail customers, with a particular emphasis...

  • Small and medium-sized businessesprimary

    Buy CRE, C&I, and SBA loans plus deposit services to support operations and expansion.

  • Business ownersprimary

    Use commercial banking, deposits, and mortgage products tied to personal and business needs.

  • Korean-American community customersprimary

    Choose the bank for language/cultural familiarity, local presence, and relationship banking.

  • Retail banking customerssecondary

    Buy deposit accounts and home mortgage or consumer loan products.

  • SBA borrowerssecondary

    Seek government-guaranteed business loans and related servicing/sale capabilities.

OP Bancorp is headquartered in Los Angeles and conducts most of its business in Southern California, especially the Los...

  • •Headquartered in Los Angeles, California
  • •Core branch network in Los Angeles and Orange Counties
  • •Additional branch in Santa Clara, California
  • •Branches in Carrollton, Texas and Las Vegas, Nevada
  • •Loan production offices in CA, GA, CO, WA, and VA

The company’s strategy is centered on relationship-based community banking, organic expansion, and disciplined...

01
Organic branch-led expansionmedium-term

Physical presence supports deposit gathering, lending relationships, and local market knowledge.

02
Diversified loan mixshort-term

Spreads credit exposure across CRE, C&I, SBA, mortgage, and consumer lending.

03
Core deposit fundingshort-term

Stable local deposits reduce reliance on wholesale funding and support lending capacity.

The main risks come from geographic concentration, credit quality, and dependence on local economic and real estate...

high

Geographic concentration in Southern California

A large share of business comes from one metro area, limiting diversification across markets.

Scope
Los Angeles, Orange County, and nearby Korean-American communities
Materiality
high
high

Commercial real estate and local credit risk

Loan performance depends on property values, borrower cash flow, and local economic conditions.

Scope
CRE and related collateral in core markets
Materiality
high
high

Interest rate and funding risk

Net interest income depends on repricing of loans, deposits, and borrowings.

Scope
Deposit pricing, loan yields, and wholesale funding
Materiality
high
high

Cybersecurity and operational disruption

Banking relies on communications and technology systems for customer access and processing.

Scope
Online/mobile banking and internal systems
Materiality
high
medium

Regulatory and competitive pressure

Banks face capital, compliance, and pricing pressure from larger institutions and nonbanks.

Scope
Community banking and deposit competition
Materiality
medium
Allowance for credit losses
Affects provision expense, reserve levels, and reported earnings
Interest income on loans and nonaccruals
Affects net interest income and yield trends
SBA loan sale and servicing gains
Affects noninterest income and quarter-to-quarter comparability
Lease accounting
Affects occupancy expense and balance sheet presentation

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: 29/04/2026