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Optimumbank

Fort Lauderdale, FL · Cert 35430 · Optimumbank Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=266 to 267). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

21

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

86

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Optimumbank

Fort Lauderdale, FL · Cert 35430 · Optimumbank Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BDeposits
$132.8MEquity
Loan mix
96%RE $1.0B4%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $894.7M26%Noninterest $321.9MQ2 2025Q2 2026

NIM

6.06%Q2 ’246.26%Q2 ’256.22%Q2 ’26+16%+5%

Non-interest income vs. expense

1.85%Q2 ’242.21%Q2 ’252.30%Q2 ’26+19%+4%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.3% share · #39 of 86 inst. · $1.2B of $348.8B

1.7% Broward
0.0% Miami-Dade

Executive Summary

  • Earnings: ROA of 1.95%, up 25 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.18% of loans (-23 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.54%, down 135 bps from a year ago.
  • Funding: loans stand at 98.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.95%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+21 bps YoY

Efficiency Ratio (YTD, annualized)

47.15%-40 bps YoY

Tier 1 Leverage Ratio

10.54%-135 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.72%1.75%1.70%1.95%+25 bps
Return on Equity15.42%15.81%16.09%16.45%19.31%+389 bps
Net Interest Margin4.02%3.96%3.87%4.34%4.23%+21 bps
Efficiency Ratio47.55%47.29%47.48%49.83%47.15%-40 bps
Non-Interest Burden1.59%1.53%1.52%1.87%1.65%+6 bps
Growth
Asset Growth (YoY)11.06%14.63%19.16%29.81%38.80%+2,775 bps
Loan Growth (YoY)3.13%4.58%19.15%36.28%53.27%+5,014 bps
Deposit Growth (YoY)15.27%18.96%20.52%28.11%38.25%+2,298 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.37%0.30%0.20%0.18%-23 bps
Net Charge-Offs / Loans0.06%0.03%0.03%0.00%0.00%-5 bps
Allowance / Loans1.19%1.23%1.07%1.02%0.91%-28 bps
Allowance Coverage of NPLs2.9x3.4x3.5x5.1x5.1x+2.2x
Capital
Tier 1 Leverage Ratio11.89%11.71%11.39%10.74%10.54%-135 bps
Total Risk-Based Capital11.89%11.71%11.39%10.74%10.54%-135 bps
Equity / Assets11.09%10.73%10.87%9.91%9.58%-152 bps
Liquidity & Funding
Loans / Deposits89.08%84.62%102.60%99.59%98.76%+967 bps
Liquid Assets / Assets4.19%15.78%8.23%10.11%9.73%+553 bps
CRE / Total Capitaln/a522%607%681%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Optimumbank

Fort Lauderdale, FL · Cert 35430 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Optimumbank Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BDeposits
$132.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 92% of banks $1B-$10B in assets operating in a single state (rank 21 of 267).
  • Widest gap: total risk-based capital ratio trails 88% of banks $1B-$10B in assets operating in a single state (rank 234 of 267).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.76%

Rank 31 of 267

Net Interest Margin

4.23%

Rank 31 of 267

Efficiency Ratio

47.15%

Rank 37 of 266

Equity / Assets

9.58%

Rank 171 of 267

Non-interest income vs. expense

$8.5M$30.1MINCOMEEXPENSE
Unfavorable gap of $21.5M · efficiency ratio beats 86% of banks $1B-$10B in assets operating in a single state
Bank 47.15%Peer median 60.2%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.76%0.93%1.23%1.55%Beats 88%31 / 267
Return on Equity18.39%9.16%11.84%14.56%Beats 92%21 / 267
Net Interest Margin4.23%3.12%3.50%3.88%Beats 88%31 / 267
Efficiency Ratio47.15%51.36%60.21%69.66%Beats 86%37 / 266
Asset Quality
Nonperforming Loans / Loans0.18%0.19%0.46%0.89%Beats 76%65 / 267
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 75%68 / 267
Capital
Tier 1 Capital Ratio10.54%11.29%13.05%15.13%Beats 14%229 / 267
Total Risk-Based Capital Ratio10.54%11.95%13.87%16.27%Beats 12%234 / 267
Equity / Assets9.58%9.18%10.29%11.76%Beats 36%171 / 267
Liquidity & Funding
Loans / Deposits98.76%72.68%86.16%95.22%82nd pctl48 / 267
Loans / Assets86.65%62.46%71.96%78.38%96th pctl10 / 267
Brokered Deposits / Depositsn/aNot reported for this institution