OptimumBank Holdings Inc. (NYSE American: OPHC), the holding company for community bank OptimumBank headquartered in Fort Lauderdale, Florida, reported higher earnings, loan expansion, and deposit growth for the third quarter of 2025. The bank posted net income of $4.32 million, or $0.37 per basic share, according to its latest update (https://ibn.fm/6jUHu).
The results mark an increase from both the second quarter’s $3.60 million and the $3.30 million earned in the same period last year. For the first nine months of 2025, net income reached $11.8 million, driven by growth in commercial real estate and consumer lending. Total deposits grew 9.17% from Q2 and nearly 19% year-over-year, reaching $959.49 million. Net interest margin rose to 4.37%, supported by higher asset yields and improved funding costs.
Leadership emphasized continued growth, strong capital levels, and a community-banking model centered on relationship banking. The bank’s performance reflects its focus on serving local communities and building long-term customer relationships. Further details on OPHC are available in the newsroom (https://ibn.fm/OPHC).
