OptimumBank Holdings Inc. reported net earnings of $4.32 million for the third quarter of 2025, representing growth from both the previous quarter and the same period last year. The holding company, which owns community bank OptimumBank, saw its net income reach $11.8 million for the first nine months of the year, driven by a $5.26 million improvement in net interest income and higher noninterest revenue. Total assets rose to $1.08 billion, an $83.92 million increase from June 30, while deposits reached $959.49 million, reflecting a quarterly increase of $80.62 million and nearly $153 million more than a year earlier. The bank's funding profile strengthened significantly during this period, according to financial data available through the company's newsroom at https://ibn.fm/OPHC.
Chairman Moishe Gubin emphasized the institution's community-focused approach in a recent interview, stating that OptimumBank prioritizes personal service over the technology-driven models of national banks. "We are a community bank that services businesses and individuals," Gubin said, adding that customers are treated like family members who are known personally to bank staff. This relationship banking strategy has contributed to the bank's lending portfolio quality, with Gubin noting that "we haven't had a bad loan in many, many years" due to a borrower base concentrated among familiar, longstanding clients. The bank's growth strategy continues to center on traditional relationship banking for businesses and consumers in South Florida, where it has operated since its founding in 2000.
OptimumBank has positioned itself as an alternative to larger financial institutions by avoiding exorbitant fees while developing expertise in real estate and commercial lending. The full article discussing these results can be viewed at https://ibn.fm/oVqpo. OptimumBank's performance during the third quarter of 2025 demonstrates the continued viability of community banking models that emphasize personal relationships over technological scale. The bank's ability to grow both assets and deposits while maintaining loan quality suggests that there remains significant demand for traditional banking services in specific regional markets. As financial institutions nationwide grapple with digital transformation and changing customer expectations, OptimumBank's success highlights an alternative path focused on localized knowledge and personal service.
