Optimumbank
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Data as of · sourced from FFIEC call reports. How we update
Optimumbank is an FDIC-insured commercial bank headquartered in Fort Lauderdale, FL, established in 2000 (FDIC certificate 35430), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.39B, up 38.8% from Q2 2025, the 26th largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35430
- Headquarters
- Fort Lauderdale, FL
- Established
- 2000
- Total assets, Q2 2026
- $1.39B
- Assets vs Q2 2025
- +38.8%
- Tier 1 leverage ratio, Q2 2026
- 10.54%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 067015096
- Holding company
- OPTIMUMBANK HOLDINGS, INC.
- Asset rank in state
- 26th of 81 in Florida
Optimumbank is one of the more profitable banks of its size. The Fort Lauderdale, Florida bank had $1.4 billion in assets at June 30, 2026, up 38.8% from a year earlier. It earns about $2.19 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). On the other hand, it holds commercial real estate loans worth 4.7 times its capital, about double the median of 2.2 times for banks its size. Much of that comes from cost control: it spends about 45 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $7.1 million, 80% above the same quarter a year earlier. Over the same year, loans grew 53.3% and deposits grew 38.3%. One more trend to watch: delinquency has appeared in its $595 million non-owner-occupied commercial real estate book: 1.58% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Optimumbank reported a return on assets of 2.19%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Optimumbank is the 26th largest of the 81 banks headquartered in Florida. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 9.3% to $1.39B, loans rose 10.3% and deposits rose 11.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 49.5% of total loans, ahead of owner-occupied commercial real estate loans at 24.1%. The FDIC Summary of Deposits lists 4 offices for it, in Fort Lauderdale, FL, Deerfield Beach, FL and North Miami Beach, FL; its Fort Lauderdale 2 offices book 85% of its branch deposits. Judged on its Q2 2026 call report, Optimumbank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2929 E Commercial Blvd, Fort Lauderdale, FL 33308
- County
- Broward
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 2000
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 114
- Domestic deposits
- $1.22B
- Allowance for credit losses
- $10.9M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $1.31B
- Average total loans
- $1.13B
- Average interest-bearing deposits
- $830.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 2000
- FDIC Cert
- 35430
- Fed RSSD
- 2953418
- SEC CIK
- 1288855 → filed by OPTIMUMBANK HOLDINGS, INC.
- Website
- www.optimumbank.com →
- Parent Holding Company
- OPTIMUMBANK HOLDINGS, INC. (RSSD 3251661) · OPHC
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Optimumbank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Optimumbank's total assets moved between a low of $712.7M (Q3 2023) and a high of $1.39B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.39B total assets against $998.9M; $1.25B total liabilities against $888.1M.
$1.19B net loans and leases against $774.5M; $1.22B total deposits against $880.0M.
$29.9M securities against $25.8M; $146.2M cash and balances due against $182.8M.
$21.2M total interest income against $15.6M; $6.8M total interest expense against $5.3M.
$14.4M net interest income against $10.2M.
$2.5M total noninterest income against $1.8M; $7.6M total noninterest expense against $5.7M.
-$166K provision for credit losses against $1.0M.
$7.1M net income against $4.0M.
2.19% return on assets against 1.63%; 4.48% net interest margin against 4.26%.
10.54% tier 1 leverage ratio against 11.89%.
Inside the full Optimumbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Optimumbank rankings
Its closest position to the top of a national ranking is 318 of 3,611, for ROA; its furthest is 2,653 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.51% (Q4 2024) to 2.19% (Q2 2026) and its net interest margin ran from 3.86% (Q4 2024) to 4.48% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.54% | 2.19% | 0.18% | 1.05% | 4.48% |
| Q1 2026 | 10.74% | 1.67% | 0.20% | 1.11% | 4.40% |
| Q4 2025 | 11.39% | 1.81% | 0.30% | 2.15% | 4.36% |
| Q3 2025 | 11.71% | 1.82% | 0.37% | 2.84% | 4.34% |
| Q2 2025 | 11.89% | 1.63% | 0.41% | 2.68% | 4.26% |
| Q1 2025 | 11.71% | 1.77% | 0.94% | 6.51% | 4.00% |
| Q4 2024 | 10.91% | 1.51% | 0.94% | 6.88% | 3.86% |
| Q3 2024 | 10.38% | 1.57% | 0.28% | 2.17% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ft Lauderdale Branch | Fort Lauderdale , FL | 33308 | $1.03B |
| Deerfield Beach Branch | Deerfield Beach , FL | 33442 | $149.4M |
| North Miami Beach Branch | North Miami Beach , FL | 33162 | $36.5M |
| Optimumbank (main office) | Fort Lauderdale , FL | 33308 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- June 22, 2010, Federal Reserve: Written Agreement: Optimumbank Holdings, Inc., Fort Lauderdale, Florida
- Period: Most recent institution action June 22, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in FL, rank 59 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 17 loans, $12.1M approved, $711K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Optimumbank
What are Optimumbank's total assets?
As of the Q2 2026 filing, Optimumbank reported total assets of $1.39 billion in its FFIEC call report.
Where is Optimumbank headquartered?
It is headquartered in Fort Lauderdale, FL, United States.
When was Optimumbank founded?
It was established in 2000, per the FDIC institution directory.
Is Optimumbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35430). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Optimumbank?
Optimumbank's primary federal regulator is the FDIC.
How many branches does Optimumbank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Optimumbank's Texas Ratio?
Its Texas Ratio is 1.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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