OP Bancorp reported net income of $6.7 million for the third quarter of 2025, up from $6.3 million in the previous quarter. Diluted earnings per share were $0.45, compared to $0.42 in the prior period. Return on assets was 1.0% and return on equity was 12.4%, both slightly higher than the previous quarter's 1.0% and 12.0%, respectively. The net interest margin increased to 3.3% from 3.2%. The efficiency ratio improved to 55.7% from 59.3%. Total assets grew by 2% to $2.61 billion. Gross loans rose by 4% to $2.15 billion, and total deposits increased by 1% to $2.27 billion. Net charge-offs to average gross loans were 0.04%, down from 0.06%. Nonperforming loans to gross loans were 0.6%, up from 0.4%, and criticized loans to gross loans were 1.3%, up from 1.2%. OP Bancorp maintained a Common Equity Tier 1 ratio of 10.9%. Book value per common share rose to $14.88 from $14.36. The company paid a quarterly cash dividend of $0.12 per share during the period.