OptimumBank Holdings Inc. (NYSE American: OPHC) reported continued financial growth in the third quarter of 2025, with net earnings reaching $4.32 million, or $0.37 per basic share. This represents an increase from $3.60 million in the prior quarter and $3.30 million in the year-earlier period. For the first nine months of the year, net earnings totaled $11.8 million, up from $9.17 million during the same period in 2024.
Net interest income was a primary driver of this performance, rising to $11.05 million in the quarter. This marked an increase of $810,000 from the second quarter and more than $2 million from the third quarter of 2024. Management attributed the improvement to higher yields on loans and other earning assets, coupled with stable funding costs as older, lower-rate loans rolled off the balance sheet.
"Our momentum continues to build as we expand our customer base, strengthen our core earnings, and deliver meaningful value to our shareholders," Chairman Moishe Gubin stated. "Despite ongoing industry headwinds, our team's disciplined approach to deposit pricing, targeted lending, and operating efficiency continues to drive results."
The bank's performance comes as it focuses on traditional in-person banking with businesses and consumers residing in South Florida. OptimumBank has positioned itself as an alternative to larger financial institutions, with customers finding the bank doesn't charge the exorbitant fees they experienced elsewhere. The bank has developed expertise in real estate and commercial lending, which has contributed to its growth trajectory.
Gubin expressed confidence in the bank's future direction, noting, "With a growing foundation of loyal customers and a well-capitalized balance sheet, we are entering our next chapter with confidence, agility, and excitement for the opportunities ahead." The full article detailing the bank's financial performance is available at https://nnw.fm/1TgTh.
The bank's continued growth demonstrates how community-focused financial institutions can thrive even amid broader industry challenges. By maintaining disciplined approaches to lending and deposit management while capitalizing on their specialized market knowledge, regional banks like OptimumBank can deliver consistent value to shareholders while serving their local communities effectively.
