OptimumBank Holdings, Inc. Overview
Pro stress-test →OptimumBank Holdings, Inc. is a bank holding company that operates OptimumBank, a state-chartered bank offering commercial banking services to individual and corporate customers through branch offices in Broward County and Miami Dade County, Florida. The company operates as a community bank focused on consumer and commercial lending, real estate financing, and traditional deposit products.
Strategic Profile
Pro stress-test →The company reported 2025 net earnings of $16.64 million with total assets reaching $1.11 billion and gross loans of $958.79 million, supported by a 4.39% net interest margin and 20.66% year-over-year deposit growth. OptimumBank transferred its listing to NYSE American in December 2024, positioning itself to enhance liquidity and visibility.
Competitive Landscape
Pro stress-test →OptimumBank competes in the regional and community banking market, primarily serving South Florida. Direct competitors include other regional banks and community banks with comparable asset bases and service offerings. The company operates in a highly fragmented market with limited differentiation, competing primarily on relationship banking, community presence, and specialized real estate lending products.
Industry Context
OptimumBank Holdings, Inc. operates in Community and Regional Banks.
Key facts
Founded: 2000 · Headquarters: Fort Lauderdale, Florida · Employees: 98 · Revenue: N/A · Market cap: $70M