OptimumBank Holdings, Inc.
OptimumBank Holdings, Inc. (NYSE American: OPHC) operates as a bank holding company for OptimumBank, a Florida state-chartered bank established in 2000 with deposits insured by the Federal Deposit Insurance Corporation. The company's website is www.optimumbank.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What OptimumBank Holdings, Inc. does
In the company’s own words
OptimumBank Holdings, Inc. (NYSE American: OPHC) operates as a bank holding company for OptimumBank, a Florida state-chartered bank established in 2000 with deposits insured by the Federal Deposit Insurance Corporation. The company's website is www.optimumbank.com.
OptimumBank provides comprehensive commercial banking services to individual and corporate customers through its headquarters and three branch offices located in Broward County and Miami-Dade County, Florida. The bank's primary market area encompasses Broward, Miami-Dade, Palm Beach, Martin, and St. Lucie counties, with secondary operations throughout Florida and select markets across the United States.
The bank's core business centers on real estate and commercial lending, complemented by consumer banking services. As of December 31, 2025, OptimumBank maintained total assets of $1.1 billion, net loans of $947.3 million, and total deposits of $931.8 million. The loan portfolio is concentrated in commercial real estate, which represents approximately 70 percent of total loans, with additional exposure to residential real estate, multifamily properties, land and construction, commercial loans, and consumer products. The bank has developed specialized lending capabilities in skilled nursing facilities and healthcare properties, leveraging decades of board and management experience in the healthcare sector. Additionally, OptimumBank achieved SBA Preferred Lender status in February 2025, enabling it to originate SBA-guaranteed 7A loans.
The bank gathers deposits throughout Florida and across the United States through various deposit products including checking accounts, money market accounts, savings accounts, and certificates of deposit. OptimumBank participates in the IntraFi Network, offering depositors access to FDIC insurance beyond the standard $250,000 maximum. The bank has carved out a niche providing treasury management services to merchant cash advance providers, generating low-cost deposits while creating noninterest fee income.
OptimumBank employs 98 full-time employees and operates with a strategic focus on personalized banking relationships, responsive customer service, and specialized niche lending. In late 2025, the company formed OptimumHUD Loans, LLC, a wholly owned non-bank subsidiary expected to provide bridge-to-HUD financing and FHA loan origination for multifamily and healthcare properties. The bank maintains correspondent relationships with the Federal Reserve Bank and outsources most data processing services while maintaining robust internet banking capabilities including mobile access and online cash management services.
Company details
- Sector
- Financials
- Industry
- Commercial Banks
- Headquarters
- FORT LAUDERDALE, FL
- Fiscal year end
- December
- CIK
- 1288855
- SIC
- 6021
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns OptimumBank Holdings, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · OptimumBank Holdings, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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