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. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    41 risks11 new39 dropped11 reworded

    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