OptimumBank Holdings, Inc. reported third quarter 2025 net earnings of $4.32 million, representing growth from both the previous quarter and the same period last year. The company's nine-month earnings reached $11.80 million, driven by stronger net interest income and higher noninterest income. This performance reflects the bank's ability to capitalize on favorable market conditions while maintaining operational efficiency.
The bank demonstrated substantial balance sheet expansion with deposits growing by $80.62 million sequentially to reach $959.49 million. Loan portfolios increased by $29.16 million to $813.72 million, indicating continued demand for the bank's lending products. Total assets reached $1.08 billion, marking a significant milestone for the institution. Stockholders' equity also strengthened, rising to $116.89 million, providing a solid capital foundation for future growth initiatives.
Financial metrics showed robust performance with the bank delivering a 1.68 percent return on average assets and maintaining a 4.37 percent net interest margin. These figures highlight the bank's effective asset management and interest rate positioning in a dynamic economic environment. The results come as the bank celebrates its 25th anniversary, having been founded in 2000 in Ft. Lauderdale, Florida. Additional financial information and updates relating to OPHC are available in the company's newsroom.
The bank's continued expansion reflects its strategic focus on core banking services including business banking, business lending, SBA lending solutions, treasury management, and personal banking. The deposit growth of over $80 million in the quarter demonstrates strong customer confidence and the bank's competitive positioning in the market. The full details of the quarterly performance can be viewed in the official press release.
This quarterly report underscores the bank's sustained momentum in a competitive financial services landscape. The combination of earnings growth, balance sheet expansion, and strong fundamental metrics positions the institution for continued success. The results are particularly noteworthy given the bank's commitment to supporting economic development through responsible banking practices and community partnerships, factors that have contributed to its longevity and customer loyalty over the past quarter-century.
