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
Unfavorable gap of $21.5M · efficiency ratio beats 86% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.93% | 1.23% | 1.55% | Beats 88% | 31 / 267 | |
| Return on Equity | 18.39% | 9.16% | 11.84% | 14.56% | Beats 92% | 21 / 267 | |
| Net Interest Margin | 4.23% | 3.12% | 3.50% | 3.88% | Beats 88% | 31 / 267 | |
| Efficiency Ratio | 47.15% | 51.36% | 60.21% | 69.66% | Beats 86% | 37 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.19% | 0.46% | 0.89% | Beats 76% | 65 / 267 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 75% | 68 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 10.54% | 11.29% | 13.05% | 15.13% | Beats 14% | 229 / 267 | |
| Total Risk-Based Capital Ratio | 10.54% | 11.95% | 13.87% | 16.27% | Beats 12% | 234 / 267 | |
| Equity / Assets | 9.58% | 9.18% | 10.29% | 11.76% | Beats 36% | 171 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 98.76% | 72.68% | 86.16% | 95.22% | 82nd pctl | 48 / 267 | |
| Loans / Assets | 86.65% | 62.46% | 71.96% | 78.38% | 96th pctl | 10 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |