OP Bancorp

Min Kim serves as President and CEO of both OP Bancorp and its subsidiary Open Bank, overseeing all lending and investment strategy. Christine Oh, as CFO, manages financial operations and reporting. Investment decisions — primarily commercial real estate and business loan underwriting — run through the bank's credit committee, a standard community-bank governance structure.

OP Bancorp is structured as a publicly traded bank holding company listed on Nasdaq, not a private single-family office. It operates through Open Bank, a California-chartered commercial bank. Founder Min Kim likely controls significant insider equity — consistent with founder-led public banks that often serve family-capital purposes — but the public structure brings outside shareholders and SEC reporting obligations that private family offices avoid.

The company's $2.1 billion in assets consists primarily of commercial real estate loans, SBA-guaranteed loans, trade finance lines, and small-business loans. It also holds investment securities and cash equivalents on its balance sheet, per standard bank regulatory filings. The loan book is concentrated in Southern California, with smaller exposures in New Jersey, Georgia, and Colorado.

The bank sources loans primarily through its branch network serving the Korean-American business community in Los Angeles and surrounding areas. Relationship lending — where loan officers develop long-term ties with small-business owners — drives origination rather than intermediated or brokered deal flow. The public-deposit base provides a low-cost funding advantage.

OP Bancorp manages its own balance sheet capital, funded by deposits and equity. It raised public equity through its 2018 IPO and subsequent offerings, but does not operate as a fund manager for outside institutional investors. The firm deploys capital through lending rather than equity investing, distinguishing it from family offices that take direct equity stakes.

The company operates 10 branches across four states: California (primary concentration in the Los Angeles metro area), New Jersey (Fort Lee), Georgia (Duluth), and Colorado (Aurora). Each market serves a Korean-American community hub, per the firm's branch disclosures, though California remains the dominant loan and deposit market.

As a public bank holding company, OP Bancorp does not operate with co-investors in the typical private-equity sense. Lending syndications occasionally involve other community or regional banks, but the firm does not disclose named syndicate partners in public filings. The shareholder base is public — anyone who buys Nasdaq-traded shares holds equity alongside the founder.