Fort Lauderdale, FL · Cert 35430 · Optimumbank Holdings Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
78
Profitability
89
Liquidity
20
Efficiency
86
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.
Fort Lauderdale, FL · Cert 35430 · Optimumbank Holdings Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.3% share · #39 of 86 inst. · $1.2B of $348.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.56% | 1.77% | 1.69% | 1.72% | 1.75% | 1.70% | 1.95% | +25 bps | |
| Return on Equity | 16.64% | 16.23% | 16.25% | 15.42% | 15.81% | 16.09% | 16.45% | 19.31% | +389 bps | |
| Net Interest Margin | 3.64% | 3.53% | 3.93% | 4.02% | 3.96% | 3.87% | 4.34% | 4.23% | +21 bps | |
| Efficiency Ratio | 46.66% | 46.41% | 48.12% | 47.55% | 47.29% | 47.48% | 49.83% | 47.15% | -40 bps | |
| Non-Interest Burden | 1.43% | 1.39% | 1.63% | 1.59% | 1.53% | 1.52% | 1.87% | 1.65% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.54% | 17.91% | 3.91% | 11.06% | 14.63% | 19.16% | 29.81% | 38.80% | +2,775 bps | |
| Loan Growth (YoY) | 33.83% | 18.40% | 5.94% | 3.13% | 4.58% | 19.15% | 36.28% | 53.27% | +5,014 bps | |
| Deposit Growth (YoY) | 30.14% | 20.87% | 6.69% | 15.27% | 18.96% | 20.52% | 28.11% | 38.25% | +2,298 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.94% | 0.94% | 0.41% | 0.37% | 0.30% | 0.20% | 0.18% | -23 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.17% | 0.12% | 0.06% | 0.03% | 0.03% | 0.00% | 0.00% | -5 bps | |
| Allowance / Loans | 1.07% | 1.08% | 1.03% | 1.19% | 1.23% | 1.07% | 1.02% | 0.91% | -28 bps | |
| Allowance Coverage of NPLs | 3.8x | 1.1x | 1.1x | 2.9x | 3.4x | 3.5x | 5.1x | 5.1x | +2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.38% | 10.91% | 11.71% | 11.89% | 11.71% | 11.39% | 10.74% | 10.54% | -135 bps | |
| Total Risk-Based Capital | 10.38% | 10.91% | 11.71% | 11.89% | 11.71% | 11.39% | 10.74% | 10.54% | -135 bps | |
| Equity / Assets | 9.76% | 10.88% | 10.96% | 11.09% | 10.73% | 10.87% | 9.91% | 9.58% | -152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.26% | 103.78% | 93.61% | 89.08% | 84.62% | 102.60% | 99.59% | 98.76% | +967 bps | |
| Liquid Assets / Assets | 1.64% | 2.46% | 2.24% | 4.19% | 15.78% | 8.23% | 10.11% | 9.73% | +553 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 522% | 607% | 681% | n/a | n/a | |
Fort Lauderdale, FL · Cert 35430 · Peer group: banks $1B-$10B in assets (n=322-328) · Optimumbank Holdings Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.76%
Rank 44 of 328
Net Interest Margin
4.23%
Rank 38 of 328
Efficiency Ratio
47.15%
Rank 48 of 328
Equity / Assets
9.58%
Rank 209 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.76% | 0.91% | 1.22% | 1.52% | Beats 87% | 44 / 328 | ||
| Return on Equity | 18.39% | 8.43% | 11.45% | 14.43% | Beats 91% | 28 / 328 | ||
| Net Interest Margin | 4.23% | 3.03% | 3.45% | 3.83% | Beats 88% | 38 / 328 | ||
| Efficiency Ratio | 47.15% | 51.61% | 59.56% | 67.53% | Beats 86% | 48 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.24% | 0.51% | 1.03% | Beats 79% | 69 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 76% | 79 / 322 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.54% | 11.75% | 13.15% | 15.47% | Beats 9% | 297 / 328 | ||
| Total Risk-Based Capital Ratio | 10.54% | 12.63% | 14.15% | 16.46% | Beats 6% | 307 / 328 | ||
| Equity / Assets | 9.58% | 9.15% | 10.33% | 12.01% | Beats 36% | 209 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.76% | 76.63% | 87.92% | 95.36% | 82nd pctl | 58 / 323 | ||
| Loans / Assets | 86.65% | 65.18% | 74.15% | 79.98% | 95th pctl | 17 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||