Other Events On July 23, 2026 , the Company announced that its Board of Directors declared a quarterly cash dividend of $0.14 per share on its common stock, payable on August 20, 2026, to shareholders of record as of August 6, 2026. The Company issued a press release describing the dividend on July 23, 2026 , which is attached hereto as Exhibit 99.2 and incorporated herein by reference. The information set forth in this Item 8.01, including the information in the accompanying press release, i…

The information in this Current Report set forth under this Item 2.02, including exhibit 99.1 hereto, is furnished hereunder and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly stated by specific referenc…

The information in this Current Report set forth under this Item 2.02, including exhibit 99.1 hereto, is furnished hereunder and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly stated by specific referenc…

Other Events On April 23, 2026 , the Company announced that its Board of Directors declared a quarterly cash dividend of $0.14 per share on its common stock, payable on May 21, 2026, to shareholders of record as of May 7, 2026. The Company issued a press release describing the dividend on April 23, 2026 , which is attached hereto as Exhibit 99.2 and incorporated herein by reference. The information set forth in this Item 8.01, including the information in the accompanying press release, is fu…

The information in this Current Report set forth under this Item 2.02, including exhibit 99.1 hereto, is furnished hereunder and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly stated by specific referenc…

Other Events On January 22, 2026 , the Company announced that its Board of Directors declared a quarterly cash dividend of $0.12 per share on its common stock, payable on February 19, 2026, to shareholders of record as of February 5, 2026. The Company issued a press release describing the dividend on January 22, 2026 , which is attached hereto as Exhibit 99.2 and incorporated herein by reference. The information set forth in this Item 8.01, including the information in the accompanying press…

Creation of a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant The information set forth in

Entry into a Material Definitive Agreement On November 7, 2025, OP Bancorp (the “Company”), the parent company of Open Bank (the “Bank”), completed a private placement of $25 million principal amount of fixed-to-floating rate subordinated note due 2035 (the “Note”) pursuant to a subordinated note purchase agreement in a private placement (the “Agreement”). The Note was issued in a private placement without registration under the Securities Act of 1933, as amended (the “Securities Act”), relyi…

The information in this Current Report set forth under this Item 2.02, including exhibit 99.1 hereto, shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly stated by specific reference in such filing.

Other Events On October 23, 2025 , the Company announced that its Board of Directors declared a quarterly cash dividend of $0.12 per share on its common stock, payable on November 20, 2025, to shareholders of record as of November 6, 2025. The Company issued a press release describing the dividend on October 23, 2025 , which is attached hereto as Exhibit 99.2 and incorporated herein by reference. The information set forth in this Item 8.01, including the information in the accompanying press…

The Repurchase Program is intended to be conducted in accordance with Rule 10b-18 promulgated under the Securities Exchange Act of 1934, as amended (“Rule 10b-18”). Purchases under the Repurchase Program may be made, if in open market transactions at prevailing market prices, in privately negotiated transactions, or by other means in compliance with Rule 10b-18. However, the Company has no obligation to repurchase shares and the timing, actual number, and value of shares to be repurchased is…

The information in this Current Report set forth under this Item 2.02, including exhibit 99.1 hereto, shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly stated by specific reference in such filing.

Other Events On July 24, 2025 , the Company announced that its Board of Directors declared a quarterly cash dividend of $0.12 per share on its common stock, payable on August 21, 2025, to shareholders of record as of August 7, 2025. The Company issued a press release describing the dividend on July 24, 2025 , which is attached hereto as Exhibit 99.2 and incorporated herein by reference. The information set forth in this Item 8.01, including the information in the accompanying press release, s…

President and Chief Executive Officer — Sang K. Oh: Mr. Oh was promoted to President and CEO as part of a planned management transition.

Other Events On April 24, 2025 , the Company announced that its Board of Directors had declared a quarterly dividend of $0.12 per share on its common stock, payable on May 22, 2025, to shareholders of record as of May 8, 2025. The Company issued a press release describing the dividend on April 24, 2025 , which is attached hereto as Exhibit 99.2 and incorporated herein by reference. The information set forth in this Item 8.01, including the information in the accompanying press release, shall…

Results of Operations and Financial Condition On April 24, 2025, OP Bancorp, (the “Company”), the holding company of Open Bank, issued a press release announcing preliminary unaudited financial results for the first quarter and fiscal year ended March 31, 2025. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information in this Current Report set forth under this Item 2.02, including exhibit 99.1 hereto, s…

Executive Vice President and Chief Operating Officer — Christine Oh: Christine Oh was promoted to Executive Vice President and Chief Operating Officer.

Results of Operations and Financial Condition On January 23, 2025, OP Bancorp, (the “Company”), the holding company of Open Bank, issued a press release announcing preliminary unaudited results for the fourth quarter and fiscal year ended December 31, 2024. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information in this Current Report set forth under this Item 2.02, including the exhibit hereto, shall…

Executive Vice President and Chief Credit Officer — Yeong Gwon Pak: The company hired a new Executive Vice President and Chief Credit Officer.

Regulation FD On October 24, 2024, the registrant issued a press release announcing that its Board of Directors had declared a cash dividend of $0.12 per common share, payable on or about November 21, 2024, to holders of record as of November 7, 2024. A copy of that release is furnished as Exhibit 99.2 of this Current Report. On October 24, 2024, the registrant disclosed its investor presentation for the third quarter of 2024. A copy of that presentation is furnished as Exhibit 99.3 of this C…

Results of Operations and Financial Condition On October 24, 2024, OP Bancorp, (the “Company”), the holding company of Open Bank, issued a press release announcing preliminary unaudited results for the third quarter ended September 30, 2024. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. Also attached as Exhibit 99.3 is a slide presentation for the results for the third quarter. The information in this Curren…

Chairman of the Board, President and Chief Executive Officer — Brian Choi, Min Kim, Sang Oh: The planned retirement of the Chairman and CEO with a clear succession plan in place.

Results of Operations and Financial Condition On July 25, 2024, OP Bancorp, (the “Company”), the holding company of Open Bank, issued a press release announcing preliminary unaudited results for the second quarter ended June 30, 2024. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. Also attached as Exhibit 99.3 is a slide presentation for the results for the second quarter. The information in this Current Repo…

Director — Ernest E. Dow: The director is retiring and not standing for re-election.

Results of Operations and Financial Condition On April 25, 2024, OP Bancorp, (the “Company”), the holding company of Open Bank, issued a press release announcing preliminary unaudited results for the first quarter ended March 31, 2024. A copy of the press release is attached as Exhibit 99.1 to this Current Report and is incorporated herein by reference. Also attached as Exhibit 99.3 is a slide presentation for the results for the first quarter. The information in this report set forth under this