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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.56% | 1.77% | 1.69% | 1.72% | 1.75% | 1.70% | 1.95% | +25 bps | |
| Return on Equity | 16.64% | 16.23% | 16.25% | 15.42% | 15.81% | 16.09% | 16.45% | 19.31% | +389 bps | |
| Net Interest Margin | 3.64% | 3.53% | 3.93% | 4.02% | 3.96% | 3.87% | 4.34% | 4.23% | +21 bps | |
| Efficiency Ratio | 46.66% | 46.41% | 48.12% | 47.55% | 47.29% | 47.48% | 49.83% | 47.15% | -40 bps | |
| Non-Interest Burden | 1.43% | 1.39% | 1.63% | 1.59% | 1.53% | 1.52% | 1.87% | 1.65% | +6 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 | 0.20% | 0.17% | 0.12% | 0.06% | 0.03% | 0.03% | 0.00% | 0.00% | -5 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 | |