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OP Bancorp OPBK Provision for Credit Losses

Provision for Credit Losses at other companies

ECB Bancorp, Inc.ECBK

$153K+1,630%

SR Bancorp, Inc.SRBK

$84K+127%

Magyar BancorpMGYR

$256K+953%

RBB BancorpRBB

-$200K-103%

Pathfinder BancorpPBHC

-$168K-137%

Great Southern BancorpGSBC

$0—

Other financials

Income statement

Revenue$24.6M+10.4%

Net income$7.2M+30.1%

EPS (diluted)$0.48+29.7%

Balance sheet

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

Operating cash flow$7.7M+37.4%

CapEx$114.0K-92.0%

Free cash flow$7.6M+81.3%

Valuation

Market cap$223.26M+21.9%

Enterprise value$73.51M-1,032%

P/E8.2×0.0×

P/S2.3×+0.2×

Profitability

Net margin28.2%+2.9pp

FCF margin27.6%-16.2pp

Returns & leverage

Return on equity12.3%+1.8pp

Debt / equity0×0.0×

Where this comes from

Reported directly by OP Bancorp in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

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 provision for credit losses?: OP Bancorp (OPBK) reported provision for credit losses of $412K in Q1 2026.
How has OP Bancorp's provision for credit losses changed year-over-year?: OP Bancorp's provision for credit losses decreased by 44.0% year-over-year, from $736K to $412K.
What is the long-term trend for OP Bancorp's provision for credit losses?: Over 4 years (2021 to 2025), OP Bancorp's provision for credit losses has grown at a 61.8% compound annual growth rate (CAGR), from $522K to $3.58M.
What does provision for credit losses mean?: Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.