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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.58% | 1.77% | 1.61% | 1.81% | 1.82% | 1.70% | 2.15% | +54 bps | |
| Return on Equity | 16.41% | 15.33% | 16.25% | 14.58% | 16.56% | 16.84% | 16.45% | 22.10% | +751 bps | |
| Net Interest Margin | 3.84% | 3.76% | 3.93% | 4.19% | 4.28% | 4.31% | 4.34% | 4.42% | +23 bps | |
| Efficiency Ratio | 47.53% | 45.71% | 48.12% | 47.05% | 46.84% | 47.99% | 49.83% | 44.77% | -228 bps | |
| Non-Interest Burden | 1.58% | 1.48% | 1.63% | 1.57% | 1.60% | 1.76% | 1.87% | 1.56% | -2 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 | 0.14% | 0.12% | 0.12% | -0.01% | -0.02% | 0.06% | 0.00% | 0.00% | +2 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 | |