OP Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
OP Bancorp has total assets of $2.3B and total equity of $196.0M. Total deposits are $1.9B, and total loans are $1.8B. It earns a Net Interest Margin of 3.4%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $127.8M.
Key information
11.7x
Asset to equity ratio
3.4%
Net interest margin
| Total deposits | US$1.94b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$127.78m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OP3's Assets to Equity ratio (11.7x) is moderate.
Allowance for Bad Loans: OP3 has a sufficient allowance for bad loans (519%).
Low Risk Liabilities: 93% of OP3's liabilities are made up of primarily low risk sources of funding.
Loan Level: OP3 has an appropriate level of Loans to Assets ratio (81%).
Low Risk Deposits: OP3's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: OP3 has an appropriate level of bad loans (0.2%).