OptimumBank Holdings, Inc. (NYSE American: OPHC) reported record net income of $6.7 million for the second quarter of 2026, marking a significant increase from both the previous quarter and the same period last year. The company attributed the strong performance to growth in net interest income and improved margins, as well as substantial increases in loans and deposits.
Net income for the quarter ended June 30, 2026, was $6.7 million, or 40 cents per basic share and 28 cents per diluted share. This compares with $4.7 million, or 39 cents per basic share and 20 cents per diluted share, in the first quarter of 2026, and $3.6 million, or 31 cents per basic share and 15 cents per diluted share, in the second quarter of 2025. Net interest income rose to $14.7 million, while net interest margin expanded to 4.57%, reflecting the bank’s ability to generate higher income from its interest-earning assets.
For the first six months of 2026, net income totaled $11.3 million, up sharply from $7.5 million in the comparable period of 2025. The bank’s balance sheet also showed notable growth. Gross loans increased by $126.2 million during the quarter to $1.2 billion, while total deposits grew by $121.2 million to $1.2 billion. Total assets reached $1.4 billion as of June 30, 2026.
Key profitability metrics improved as well. Return on average assets rose to an annualized 2.04%, and return on average equity climbed to 20.34%, indicating efficient use of the bank’s capital and assets. The strong results underscore OptimumBank’s continued expansion and solid financial footing.
The company will host a webcast to discuss its second-quarter results on Aug. 13, 2026, at 1 p.m. ET. Interested parties can access the full press release at https://nnw.fm/PKIsB.
OptimumBank, founded in 2000 and headquartered in Fort Lauderdale, Florida, is a full-service community bank offering business banking, business lending, SBA lending solutions, treasury management, and personal banking. The bank focuses on delivering personalized service and supporting economic development through responsible banking practices.
These results are particularly noteworthy given the competitive banking environment and highlight OptimumBank’s successful strategy of loan and deposit growth while maintaining strong profitability. The record performance may signal continued momentum for the bank as it expands its footprint in Florida.
For more information about OptimumBank Holdings, visit the company’s newsroom at https://nnw.fm/OPHC.
