OP Bancorp Q2 net income rises 26% to $7.98 million year over year; net interest margin narrows 15 bps to 3.08%

• OP Bancorp posted Q2 net income of $7.98 million, up 26% from a year earlier; basic EPS rose to $0.54.
• Net interest income edged up 2% to $20.07 million, while net interest margin narrowed 15 basis points to 3.08%.
• Provision for credit losses swung to a $149,000 reversal from a $1.21 million expense a year earlier.
• Noninterest income climbed 42% to $5.65 million on higher gains on sale of loans; noninterest expense increased 6% to $14.83 million.
• Total assets rose 4% since Dec. 31 to $2.74 billion, with gross loans up 3% to $2.26 billion; management plans to elect the CBLR framework in Q3.

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