Risk factors

OP Bancorp (OPBK) risk factors

Item 1A of every OP Bancorp 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    41 risks, 11 new, 39 dropped, 11 reworded since the prior year. Geographic concentration in Los Angeles exposes profitability to local economic conditions and real estate markets.

    Filed Mar 13, 2026
  • FY2024 10-K risk factors

    69 risks. OP Bancorp relies heavily on real estate loans, commercial lending, and the Korean-American business community in California. Concentration risks and interest rate fluctuations dominate the bank's risk profile.

    Filed Mar 28, 2025