OptimumBank reported FY 2025 net income of USD 16.6 million, with basic EPS of USD 1.42 and diluted EPS of USD 0.71. Net interest income rose to USD 42.6 million (+22.8%), on total interest income of USD 64.4 million (+7.9%) and total interest expense of USD 21.8 million (down 12.7%). Credit loss expense was USD 2.0 million (down 8.4%), and the allowance for credit losses ended FY 2025 at USD 10.3 million, representing 1.07% of total loans. Noninterest income increased to USD 6.8 million (+46.5%), while noninterest expense increased to USD 25.2 million (+29.3%). Income before income taxes was USD 22.2 million (+25.8%), and income tax expense was USD 5.5 million (+22.5%). For balance sheet highlights, total assets were USD 1.1 billion at December 31, 2025, with net loans of USD 947.3 million and total loans of USD 958.8 million, including commercial real estate loans of USD 666.5 million. Total deposits were USD 931.8 million, and stockholders’ equity was USD 121.9 million; the Tier 1 leverage ratio was 11.39%. Nonperforming loans were USD 2.9 million, or 0.3% of the gross loan portfolio, and the bank reported one property acquired through foreclosure of a consumer HELOC during 2025 that was classified as other real estate owned and actively marketed for sale. Management also cited continued execution of its relationship-based banking model in South Florida and noted headcount growth to 98 full-time equivalent employees from 73, contributing to higher operating costs.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. OptimumBank Holdings Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001493152-26-008143), on February 26, 2026, and is solely responsible for the information contained therein.