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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

6.42%Q2 ’246.38%Q2 ’256.49%Q2 ’26+14%+5%

Non-interest income vs. expense

1.93%Q2 ’242.32%Q2 ’252.32%Q2 ’26+11%-1%

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 2.15%, up 54 bps year over year; NIM at 4.42%.
  • 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 (quarter, annualized)

2.15%+54 bps YoY

Net Interest Margin (quarter, annualized)

4.42%+23 bps YoY

Efficiency Ratio (quarter, annualized)

44.77%-228 bps YoY

Tier 1 Leverage Ratio

10.54%-135 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.81%1.82%1.70%2.15%+54 bps
Return on Equity14.58%16.56%16.84%16.45%22.10%+751 bps
Net Interest Margin4.19%4.28%4.31%4.34%4.42%+23 bps
Efficiency Ratio47.05%46.84%47.99%49.83%44.77%-228 bps
Non-Interest Burden1.57%1.60%1.76%1.87%1.56%-2 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 / Loans-0.01%-0.02%0.06%0.00%0.00%+2 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