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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