OP Bancorp is the holding company for Open Bank, a California state-chartered community bank headquartered in Los Angeles. Open Bank focuses on serving small and medium-sized businesses, their owners, and retail customers within the Korean-American community. Open Bank operates twelve full-service branches across Los Angeles, Orange County, Santa Clara, Texas, and Nevada, supplemented by loan production offices in markets including Atlanta, Seattle, and Washington D.C. Open Bank's core products are commercial and consumer loans — including CRE, C&I, SBA, residential mortgages, and mortgage warehouse lines — alongside deposit accounts gathered through its branch network. Open Bank earns money the way most community banks do: it takes in deposits and lends that money out at higher rates, with the spread between loan yields and deposit costs driving profitability. SBA loans are a notable specialty — Open Bank holds Preferred Lender status, enabling faster approvals and the ability to sell the guaranteed portion of SBA 7(a) loans in the secondary market for fee income. Open Bank has grown organically through de novo branch openings rather than acquisitions, extending into Korean-American communities outside Southern California. Open Bank positions its differentiation around relationship banking, local credit decision-making, cultural ties to the Korean-American community, and its commitment to donate 10% of net income annually to the Open Stewardship Foundation.