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OPBK • CIK 0001722010
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $110,463 | $124,361 | $136,874 | $141,532 |
| Interest Income, Debt Securities, Available-for-sale, Operating | $6,131 | $6,227 | $6,312 | $6,964 |
| Other Interest and Dividend Income | $5,071 | $7,032 | $7,142 | $6,038 |
| Interest Income (Expense), Net | $68,687 | $65,608 | $78,348 | $81,800 |
| Interest and Dividend Income, Operating | $121,665 | $137,620 | $150,328 | $154,534 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $1,651 | $2,757 | $3,580 | $1,901 |
| Interest Income (Expense), after Provision for Loan Loss | $67,036 | $62,851 | $74,768 | $79,899 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $33,491 | $29,079 | $35,327 | $40,149 |
| Income Tax Expense (Benefit) | $9,573 | $8,010 | $9,692 | $11,195 |
| Net Income (Loss) Attributable to Parent | $23,918 | $21,069 | $25,635 | $28,954 |
| Interest Expense, Deposits | $49,435 | $68,121 | $68,849 | $68,502 |
| Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term | — | — | $2,853 | $2,853 |
| Interest Expense, Subordinated Notes and Debentures | — | — | $278 | $1,258 |
| InterestExpenseOperating | — | $72,012 | $71,980 | $72,734 |
| Revenue from Contract with Customer, Excluding Assessed Tax | $2,123 | $3,261 | $3,204 | $2,165 |
| Gain (Loss) on Sales of Loans, Net | $7,843 | $8,313 | $7,070 | $9,030 |
| Noninterest Income, Other | $1,766 | $1,955 | $2,777 | $2,966 |
| Noninterest Income | $14,181 | $16,427 | $16,332 | $17,231 |
| Labor and Related Expense | $29,593 | $31,717 | $35,987 | $37,145 |
| Occupancy, Net | $6,490 | $6,673 | $6,760 | $7,307 |
| Information Technology and Data Processing | $2,109 | $2,245 | $1,456 | $1,645 |
| Professional Fees | $1,571 | $1,535 | $1,793 | $1,821 |
| Federal Deposit Insurance Corporation Premium Expense | $1,457 | $1,672 | $1,783 | $1,595 |
| Marketing and Advertising Expense | $614 | $533 | $505 | $341 |
| Noninterest Expense Directors Fees | $680 | $640 | $677 | $607 |
| Other Noninterest Expense | $2,812 | $3,076 | $4,242 | $3,606 |
| Noninterest Expense | $47,726 | $50,199 | $55,773 | $56,981 |
| Participating Securities, Distributed and Undistributed Earnings (Loss), Basic | $476 | $375 | $0 | $-127 |
| Net Income (Loss) Available to Common Stockholders, Basic | $23,442 | $20,694 | $25,635 | $29,081 |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 0 | 0 | 16,000 | 27,000 |
| Weighted Average Number of Shares Outstanding, Basic | 15,149,597 | 14,871,876 | 14,872,429 | 14,911,144 |
| Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements | 9,260 | 0 | 33,625 | 33,625 |
| Weighted Average Number of Shares Outstanding, Diluted | 15,158,857 | 14,871,876 | 14,906,054 | 14,984,093 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | — | — | $10,911 | $21,812 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | — | $100 | $156,400 | $153,239 |
| Cash and Cash Equivalents, at Carrying Value | $91,216 | $134,943 | $167,311 | $175,051 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | — | — | $192,785 | $202,506 |
| Other Investments | $16,276 | $16,437 | $17,208 | $18,824 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $1,795 | $4,581 | $11,443 | $21,305 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | — | $1,932,056 | $2,165,694 | $2,230,961 |
| Property, Plant and Equipment, Net | $5,248 | $5,449 | $5,744 | $5,298 |
| Interest Receivable | $8,259 | $9,188 | $10,482 | $10,172 |
| Servicing Asset | $11,741 | $10,834 | $10,057 | $10,280 |
| Bank Owned Life Insurance | $22,233 | $22,912 | $23,616 | $23,975 |
| Deferred Income Tax Assets, Net | $13,309 | $14,893 | $12,438 | $12,456 |
| Other Real Estate and Foreclosed Assets | — | $1,237 | $0 | $0 |
| Operating Lease, Right-of-Use Asset | $8,497 | $7,415 | $8,804 | $7,732 |
| Other Assets | $31,054 | $20,159 | $24,644 | $25,746 |
| Assets | $2,147,730 | $2,366,013 | $2,650,226 | $2,744,306 |
| Advances from Federal Home Loan Banks | $105,000 | $95,000 | $75,000 | $75,000 |
| Subordinated Debt | — | — | $24,586 | $24,629 |
| Interest Payable | $12,628 | $16,067 | $14,595 | $15,949 |
| Operating Lease, Liability | $9,341 | $7,857 | $11,175 | $9,865 |
| Other Liabilities | $20,577 | $14,811 | $16,430 | $11,881 |
| Liabilities | $1,955,104 | $2,161,020 | $2,422,333 | $2,505,663 |
| Preferred Stock, Value, Issued | $0 | $0 | $0 | $0 |
| Common Stock, Value, Issued | $76,280 | $73,697 | $73,018 | $73,018 |
| Additional Paid in Capital, Common Stock | $10,942 | $11,928 | $11,849 | $12,128 |
| Retained Earnings (Accumulated Deficit) | $120,855 | $134,781 | $153,283 | $164,624 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-15,451 | $-15,413 | $-10,257 | $-11,127 |
| Stockholders' Equity Attributable to Parent | $192,626 | $204,993 | $227,893 | $238,643 |
| Noninterest-bearing Deposit Liabilities | $522,751 | $504,928 | $520,865 | $552,300 |
| Deposits | $1,807,558 | $2,027,285 | $2,280,547 | $2,368,339 |
| Deposits, Money Market Deposits and Negotiable Order of Withdrawal (NOW) | $399,018 | $329,095 | $388,066 | $426,501 |
| Time Deposits, at or Above FDIC Insurance Limit | $433,892 | $565,813 | $683,956 | $746,386 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $21,993 | $24,796 | $27,975 | $28,100 |
| Unamortized Debt Issuance Expense | — | — | $414 | $371 |
| Preferred Stock, Shares Authorized | 10,000,000 | 10,000,000 | 10,000,000 | 10,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 50,000,000 | 50,000,000 | 50,000,000 | 50,000,000 |
| Common Stock, Shares, Issued | 15,270,344 | 14,819,866 | 14,889,540 | 14,926,750 |
| Derivative Asset, Fair Value, Gross Asset | — | $368 | $0 | $142 |
| Derivative Liability, Fair Value, Gross Liability | — | $579 | $888 | $339 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $8,244 | $43,727 | $32,368 | $-30,337 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $91,216 | $134,943 | $167,311 | $128,710 |
| Net Income (Loss) Attributable to Parent | $23,918 | $21,069 | $25,635 | $28,954 |
| Payments for (Proceeds from) Loans and Leases | $57,932 | $183,557 | $211,559 | $152,701 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $24,368 | $27,671 | $30,720 | $39,308 |
| Payments to Acquire Debt Securities, Available-for-sale | $5,647 | $19,082 | $29,623 | $64,114 |
| Payments to Acquire Federal Home Loan Bank Stock | $4,045 | $87 | $541 | $1,593 |
| Payments to Acquire Property, Plant, and Equipment | $2,184 | $1,562 | $2,801 | $898 |
| Net Cash Provided by (Used in) Investing Activities | $-75,972 | $-187,421 | $-243,012 | $-213,876 |
| Increase (Decrease) in Deposits | $-78,213 | $219,727 | $253,262 | $113,611 |
| Proceeds from Stock Options Exercised | $888 | $160 | $0 | $0 |
| Proceeds from FHLBank Borrowings, Financing Activities | $105,000 | $20,000 | $125,000 | $115,000 |
| Payments of FHLBank Borrowings, Financing Activities | $0 | $30,000 | $145,000 | $90,000 |
| Proceeds from Issuance of Subordinated Long-term Debt | — | — | $24,574 | $24,574 |
| Payments for Repurchase of Common Stock | $3,934 | $2,743 | $706 | $-7 |
| Payments of Ordinary Dividends, Common Stock | $7,269 | $7,143 | $7,133 | $7,444 |
| Payment, Tax Withholding, Share-based Payment Arrangement | $98 | $197 | $778 | $115 |
| Net Cash Provided by (Used in) Financing Activities | $16,374 | $199,804 | $249,219 | $155,633 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $43,121 | $68,573 | $73,452 | $72,504 |
| Right-of-Use Asset Obtained in Exchange for Operating Lease Liability | $1,369 | $984 | $3,536 | $41 |
| Real Estate Owned, Transfer to Real Estate Owned | — | $1,237 | $0 | $0 |
| Provision for Loan, Lease, and Other Losses | $1,651 | $2,757 | $3,580 | $1,901 |
| Deferred Income Tax Expense (Benefit) | $626 | $-1,600 | $81 | $-877 |
| Depreciation, Depletion and Amortization, Nonproduction | $1,336 | $1,361 | $7,264 | $10,339 |
| Gain (Loss) on Sales of Loans, Net | $7,843 | $8,313 | $7,070 | $9,030 |
| Share-based Payment Arrangement, Noncash Expense | $1,297 | $1,183 | $699 | $759 |
| Proceeds from Sale of Real Estate | — | — | $829 | $829 |
| Payments for Origination and Purchases of Loans Held-for-sale | $107,610 | $134,666 | $133,023 | $157,034 |
| Proceeds from Sale of Loans Held-for-sale | $154,593 | $137,352 | $130,504 | $157,843 |
| IncomeTaxPaidFederalAfterRefundReceived | — | — | $4,350 | $6,170 |
| Income Taxes Paid, Net | — | — | $7,469 | $10,064 |
| Increase (Decrease) in Other Operating Assets | $7,543 | $-11,448 | $2,280 | $1,625 |
| Increase (Decrease) in Other Operating Liabilities | $-3,831 | $-4,397 | $590 | $-1,702 |
| Net Cash Provided by (Used in) Operating Activities | $67,842 | $31,344 | $26,161 | $27,906 |