OptimumBank Holdings, Inc. reported net earnings of $4.85 million, or $0.42 per basic share and $0.21 per diluted share, for the fourth quarter of 2025, marking the strongest quarter in the company's history. For the full year ended Dec. 31, 2025, the company generated net earnings of $16.64 million, or $1.42 per basic share and $0.71 per diluted share, driven primarily by a $7.90 million increase in net interest income and a $2.15 million rise in noninterest income. The financial results reflect continued balance sheet expansion and margin improvement, with the fourth quarter performance representing a significant milestone for the Florida-based banking institution.
During the quarter, total assets reached $1.11 billion, gross loans grew 17.83% to $958.79 million, and net interest margin improved to 4.39%. Capital ratios remained well above regulatory minimums, positioning the company for continued growth momentum heading into 2026. The company's business and financial solutions include Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking services. The strong financial performance comes as the company maintains its commitment to supporting economic development through responsible banking and community partnerships.
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