Bank call report · Fort Lauderdale, FL
Optimumbank Call Report
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Optimumbank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 239 reported line items, schedule by schedule (454 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2953418 |
| FDIC certificate number | 35430 |
| Total assets | $1.39B |
Official Q2 2026 call report PDF (FFIEC) →
Optimumbank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Optimumbank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.39B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.39B |
| Total Liabilities and Minority Interest | RCON2948 | $1.25B |
| Total Deposits | RCON2200 | $1.22B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.20B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.19B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $894.7M |
| Deposits: Noninterest-bearing | RCON6631 | $321.9M |
| Total Equity Capital | RCON3210 | $132.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $132.8M |
| Interest-bearing Balances | RCON0071 | $131.6M |
| Surplus | RCON3839 | $85.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $45.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $26.6M |
| Other Borrowed Money | RCON3190 | $25.0M |
| Other Assets | RCON2160 | $14.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $14.6M |
| Other Liabilities, Total | RCON2930 | $12.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $10.9M |
| Common Stock | RCON3230 | $6.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $5.1M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.8M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $3.3M |
| Held-to-maturity Securities, Total | RCON1754 | $3.3M |
Schedule RI: Income Statement (37 items)
About Schedule RI · Optimumbank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $40.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $37.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $30.3M |
| Net Interest Income | RIAD4074 | $27.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $16.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $16.2M |
| Total Noninterest Expense | RIAD4093 | $15.0M |
| Total Interest Expense | RIAD4073 | $13.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $12.2M |
| Net Income (Loss) | RIAD4340 | $12.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $12.2M |
| Salaries and Employee Benefits | RIAD4135 | $9.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $7.1M |
| Other Noninterest Expense | RIAD4092 | $5.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $4.8M |
| Total Noninterest Income | RIAD4079 | $4.3M |
| Applicable Income Taxes | RIAD4302 | $4.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $3.8M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $2.7M |
| Other Noninterest Income | RIADB497 | $2.4M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.7M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $1.0M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $857K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $693K |
| Provision for Loan and Lease Losses | RIAD4230 | $632K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $604K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $272K |
| Other Interest Expense | RIADGW44 | $209K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $204K |
| Interest on Other Securities | RIAD4060 | $182K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $164K |
| Other Interest Income | RIAD4518 | $97K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $9K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $5K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 114 |
Schedule RC-B: Securities (23 items)
About Schedule RC-B · Optimumbank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Amortized Cost | RCONG310 | $16.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Fair Value | RCONG311 | $13.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $115K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $101K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $208K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $182K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $33.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $16.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $12.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $11.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $10.1M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $3.3M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $3.1M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $3.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $3.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $2.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $2.2M |
| Pledged Securities | RCON0416 | $1.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $395K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $386K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $385K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $235K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $73K |
Schedule RC-C, Part I: Loans and Leases (26 items)
About Schedule RC-C, Part I · Optimumbank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.20B |
| Pledged Loans and Leases | RCONG378 | $780.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $594.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $422.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $395.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $290.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $233.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $82.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $76.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $63.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $57.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $52.5M |
| Commercial and Industrial Loans | RCON1766 | $51.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $46.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $27.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $27.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $24.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $12.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $6.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $6.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $6.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $4.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $1.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $900K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $23.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $8.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $313K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $264K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $229K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $34K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 33 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 33 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 9 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 5 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 2 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 1 |
Schedule RC-E: Deposit Liabilities (31 items)
About Schedule RC-E · Optimumbank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $794.5M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $758.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $427.9M |
| Total Transaction Accounts | RCON2215 | $422.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $406.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $369.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $263.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $244.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $244.1M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $219.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $190.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $190.0M |
| Total Brokered Deposits | RCON2365 | $190.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $186.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $183.3M |
| Total reciprocal deposits | RCONJH83 | $164.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $81.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $79.7M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $79.5M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $79.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $58.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $32.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $21.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $19.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $12.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.4M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $3.1M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $3.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.6M |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $5.0M |
| Accrued Interest Receivable | RCONB556 | $4.7M |
| Net Deferred Tax Assets | RCON2148 | $3.1M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $2.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.0M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $5.4M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $3.9M |
| All Other Liabilities | RCON2938 | $2.6M |
| Operating lease liabilities | RCONLB56 | $2.5M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $242K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Optimumbank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.31B |
| Quarterly Average of Total Loans | RCON3360 | $1.13B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $931.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $376.4M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $270.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $146.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $116.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $97.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $86.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $50.2M |
| All Other Securities | RCONB560 | $19.7M |
| Mortgage-backed Securities | RCONB559 | $16.5M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $12.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $399K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $16K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Optimumbank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $70.7M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $31.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $17.1M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $4.9M |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Optimumbank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $25.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $25.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $270K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (10 items)
About Schedule RC-N · Optimumbank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $12.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $9.4M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $2.4M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $2.2M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.2M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $854K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $640K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $397K |
| Additions to Nonaccrual Assets | RCONC410 | $196K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $50K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Optimumbank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.31B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.22B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $712.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $504.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $135.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $288K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 12,601 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 621 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 64 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Optimumbank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $1.39B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.31B |
| Average total consolidated assets | RCOAKW03 | $1.31B |
| Common Equity Tier 1 Capital | RCOAP859 | $137.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $137.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $137.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $132.8M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $124.5M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $119.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $91.7M |
| Retained Earnings | RCOAKW00 | $45.9M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $4.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.8M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1054 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0898 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $132.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $120.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $120.8M |
| Other Comprehensive Income | RIADB511 | -$213K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Optimumbank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $94K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $94K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $79K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $79K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Optimumbank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $10.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $10.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $94K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$28K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $43.6M |
Optimumbank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Optimumbank call report?
The Optimumbank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Optimumbank file?
Optimumbank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Optimumbank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Optimumbank has Federal Reserve RSSD ID 2953418 and FDIC certificate number 35430. Either one finds its filings on the FFIEC Central Data Repository.
How often does Optimumbank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Optimumbank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 35430) · FFIEC NIC profile (RSSD 2953418)