MarketCapExport financials
OP Bancorp (OPBK)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
Facebook
X
Telegram
OP Bancorp Balance Sheet 2025-2011 | OPBK
Brief overview of OP Bancorp's balance sheet strength
The review uses the five latest available annual reports between 2021 and 2025.
Assets rose from $1.7 billion to $2.7 billion, a gain of +53.5%, while CAGR was about 11.3%. The balance sheet expanded rapidly.
Assets and liabilities changed at similar rates, +53.5% and +55.1%. The funding mix did not shift sharply.
For a financial business, a high liability share is part of the operating model, so capital is the key reference point: equity equals 8.6% of assets versus 9.6% initially.
Accumulated earnings ended at $153.3 million, a change of +93.9%. They remain an important part of the capital base.
Balance sheet takeaway
OP Bancorp's financial position is more positive than negative: the funding mix is workable, although the cushion is not unlimited.
Annual Balance Sheet OP Bancorp
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | - | -75.9 M | -77.7 M | -38.2 M | -10.1 M | -17.4 M | -34.7 M | -18.5 M | -20.1 M | - |
Long Term Debt |
- | - | - | - | - | - | - | - | 25 M | 10 M | 20 M | 30 M | - | 5 M | - |
Total Liabilities |
2.42 B | 2.16 B | 1.96 B | 1.92 B | 1.56 B | 1.22 B | 1.04 B | 914 M | 810 M | 680 M | 545 M | 463 M | 311 M | 180 M | - |
Retained Earnings |
153 M | 135 M | 121 M | 106 M | 79.1 M | 55.3 M | 46.5 M | 32.9 M | 18.6 M | 9.39 M | 1.96 M | -4 M | -8.48 M | -13.4 M | - |
Total Assets |
2.65 B | 2.37 B | 2.15 B | 2.09 B | 1.73 B | 1.37 B | 1.18 B | 1.04 B | 901 M | 761 M | 617 M | 528 M | 342 M | 206 M | - |
Cash and Cash Equivalents |
167 M | 135 M | 91.2 M | 83 M | 115 M | 106 M | 86 M | 77.7 M | 63.2 M | - | - | - | - | - | - |
Book Value |
228 M | 205 M | 193 M | 177 M | 165 M | 143 M | 141 M | 130 M | 91.5 M | 81.3 M | 72.5 M | 65.4 M | 31.2 M | 25.9 M | - |
Total Shareholders Equity |
228 M | 205 M | 193 M | 177 M | 165 M | 143 M | 141 M | 130 M | 91.5 M | 81.3 M | - | - | - | - | - |
Annual performance
Select metrics to display
All numbers in USD currency
Quarterly Balance Sheet OP Bancorp
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
2.51 B | 2.47 B | 2.39 B | 2.35 B | 2.3 B | 2.16 B | 2.18 B | 2.09 B | 2.04 B | 1.96 B | 1.96 B | 1.97 B | 1.99 B | 1.92 B | 1.86 B | 1.76 B | 1.7 B | 1.56 B | 1.52 B | 1.45 B | 1.31 B | 1.22 B | 1.22 B | 1.22 B | 1.22 B | 1.04 B | 1.04 B | 1.04 B | 1.04 B | 914 M | 914 M | 914 M | 914 M | 810 M | 810 M | 810 M | 810 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
165 M | 159 M | 148 M | 143 M | 139 M | 135 M | 132 M | 128 M | 124 M | 121 M | 117 M | 114 M | 110 M | 106 M | 99.5 M | 92.7 M | 85.7 M | 79.1 M | 71.4 M | 64.7 M | 59.4 M | 55.3 M | 55.3 M | 55.3 M | 55.3 M | 46.5 M | 46.5 M | 46.5 M | 46.5 M | 32.9 M | 32.9 M | 32.9 M | 32.9 M | 18.6 M | 18.6 M | 18.6 M | 18.6 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
2.74 B | 2.7 B | 2.61 B | 2.56 B | 2.51 B | 2.37 B | 2.39 B | 2.29 B | 2.23 B | 2.15 B | 2.14 B | 2.15 B | 2.17 B | 2.09 B | 2.03 B | 1.93 B | 1.86 B | 1.73 B | 1.68 B | 1.6 B | 1.46 B | 1.37 B | 1.37 B | 1.37 B | 1.37 B | 1.18 B | 1.18 B | 1.18 B | 1.18 B | 1.04 B | 1.04 B | 1.04 B | 1.04 B | 901 M | 901 M | 901 M | 901 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
175 M | 160 M | 167 M | 205 M | 199 M | 135 M | 167 M | 128 M | 139 M | 91.2 M | 106 M | 144 M | 182 M | 83 M | 107 M | 133 M | 130 M | 115 M | 188 M | 129 M | 128 M | 106 M | 106 M | 106 M | 106 M | 86 M | 86 M | 86 M | 86 M | 77.7 M | 77.7 M | 77.7 M | 77.7 M | 63.2 M | 63.2 M | 63.2 M | 63.2 M | 20.1 M | - | - | - | 37.4 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
239 M | 233 M | 221 M | 214 M | 210 M | 205 M | 204 M | 196 M | 195 M | 193 M | 184 M | 184 M | 184 M | 177 M | 170 M | 169 M | 166 M | 165 M | 159 M | 152 M | 147 M | 143 M | 143 M | 143 M | 143 M | 141 M | 141 M | 141 M | 141 M | 130 M | 130 M | 130 M | 130 M | 91.5 M | 91.5 M | 91.5 M | 91.5 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
239 M | 233 M | 221 M | 214 M | 210 M | 205 M | 204 M | 196 M | 195 M | 193 M | 184 M | 184 M | 184 M | 177 M | 170 M | 169 M | 166 M | 165 M | 159 M | 152 M | 147 M | 143 M | 143 M | 143 M | 143 M | 141 M | 141 M | 141 M | 141 M | 130 M | 130 M | 130 M | 130 M | 91.5 M | 91.5 M | 91.5 M | 91.5 M | 81.3 M | - | - | - | 72.5 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Quarterly performance
Select metrics to display
All numbers in USD currency
Balance Sheet is a fundamental financial report of OP Bancorp, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
USA
Argentina
Puerto-rico