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OP Bancorp OPBK Time deposits

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Other financials

Income statement

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Revenue$24.6M+10.4%
Net income$7.2M+30.1%
EPS (diluted)$0.48+29.7%

Balance sheet

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Cash & equivalents$160.3M-19.4%
Total debt$10.5M+14.3%
Total equity$232.7M+10.8%
Total assets$2.7B+7.4%

Cash flow

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Operating cash flow$7.7M+37.4%
CapEx$114.0K-92.0%
Free cash flow$7.6M+81.3%

Valuation

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Market cap$223.26M+21.9%
Enterprise value$73.51M-1,032%
P/E8.2×0.0×
P/S2.3×+0.2×

Profitability

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Net margin28.2%+2.9pp
FCF margin27.6%-16.2pp

Returns & leverage

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Return on equity12.3%+1.8pp
Debt / equity0.0×

Where this comes from

Reported directly by OP Bancorp in its filing.

Tagged under the XBRL concept us-gaap:TimeDepositsAtOrAboveFDICInsuranceLimit.

The official record: OP Bancorp’s 10-Q, filed May 15, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OP Bancorp's time deposits?
OP Bancorp (OPBK) reported time deposits of $743.15M in Q1 2026.
How has OP Bancorp's time deposits changed year-over-year?
OP Bancorp's time deposits increased by 21.7% year-over-year, from $610.78M to $743.15M.
What is the long-term trend for OP Bancorp's time deposits?
Over 5 years (2020 to 2025), OP Bancorp's time deposits has grown at a 27.9% compound annual growth rate (CAGR), from $200.21M to $683.96M.
What does time deposits mean?
Time deposits consist of certificates of deposit and other accounts with a fixed maturity date and interest rate. These represent a stable, predictable source of funding for the bank compared to demand deposits. However, they typically carry higher interest costs, impacting the bank's overall cost of funds.