OP Bancorp

OP Bancorp (the “Company”) has determined that it will not be able to file its Quarterly Report on Form 10-Q for its fiscal quarter ended March 31, 2026 (the “Form 10-Q”) by May 11, 2026, the original due date for such filing, without unreasonable effort or expense. Additional time is required for the Company to finalize the unaudited consolidated financial information and for the Company’s independent registered public accounting firm to complete interim review procedures. The Company expects to file the Form 10-Q within the extension period of 5 calendar days, as provided under Rule 12b-25 under the Securities Exchange Act of 1934, as amended. The Company does not expect any changes to previously reported financial results, including the financial results it reported in its press release furnished as Exhibit 99.1 to the Company’s Current Report on Form 8-K filed on April 23, 2026

The registrant is transitioning from non-accelerated filer to accelerated filer status for the fiscal year ended December 31, 2024, as a result of which the registrant will be required to file a report of its independent registered public accounting firm attesting that the accountants have conducted an independent evaluation of the effectiveness of the company's Internal Control over Financial Reporting (ICFR) as required by Section 404(b) of the Sarbanes-Oxley Act. The registrant has not completed its own evaluation of ICFR in order to permit its independent registered public accounting firm to render the required attestation. As a result, the registrant cannot timely file its Annual Report on Form 10-K for the above-referenced period. The registrant expects to file its Annual Report on or before the fifteenth calendar day after the due date therefor. The registrant has previously issued an earnings release reporting its unaudited results of operations and financial condition as of and for the fourth quarter and fiscal year ended December 31, 2024, and furnished that release under Item 2.02 of Form 8-K on January 23, 2025. As of March 17, 2025, the registrant expects that the financial statements to be filed in its Form 10-K for such period will be consistent in all material respects with the financial data presented in such release