Optimumbank
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
$1.4BAssets
$1.2BLoans
$1.2BDeposits
$132.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 91% of banks $1B-$10B in assets (rank 28 of 328).
- Widest gap: total risk-based capital ratio trails 94% of banks $1B-$10B in assets (rank 307 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $21.5M · efficiency ratio beats 86% of banks $1B-$10B in assets | 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 |