Optimumbank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 2.22 percentage points higher than in Q1 2026, at 31.01%. Optimumbank ranks 9th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 98.76% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Optimumbank sits 10.55 points higher, at 98.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.20B |
| Net loans and leases | $1.19B |
| Loans held for sale | $0 |
| Loans to total assets | 86.65% |
| Loan-to-deposit ratio | 98.76% |
| Net loans to equity capital | 8.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 73.63% |
| Multifamily (5+ residential) | 4.37% |
| Commercial and industrial | 4.31% |
| Consumer | 0.14% |
| Credit cards | 0.00% |
| Farm | 0.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 466.64% |
| Construction concentration (Tier 1 capital + allowance) | 31.01% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.01% |
| Interest income on loans | $19.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $580.8M | $620.5M | 61.35% | 4.83% | 3.80% |
| Q4 2023 | $678.8M | $640.7M | 62.15% | 6.11% | 2.88% |
| Q1 2024 | $754.6M | $800.6M | 65.22% | 4.52% | 2.15% |
| Q2 2024 | $760.1M | $763.4M | 63.78% | 4.76% | 1.77% |
| Q3 2024 | $777.2M | $807.5M | 61.60% | 5.14% | 1.41% |
| Q4 2024 | $803.6M | $774.4M | 60.40% | 6.57% | 1.10% |
| Q1 2025 | $799.5M | $854.1M | 60.22% | 6.33% | 0.86% |
| Q2 2025 | $783.9M | $880.0M | 60.91% | 6.51% | 0.68% |
| Q3 2025 | $812.8M | $960.6M | 64.45% | 5.74% | 0.50% |
| Q4 2025 | $957.6M | $933.3M | 68.96% | 5.08% | 0.31% |
| Q1 2026 | $1.09B | $1.09B | 71.97% | 4.26% | 0.21% |
| Q2 2026 | $1.20B | $1.22B | 73.63% | 4.31% | 0.14% |
Optimumbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Optimumbank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Optimumbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35430) · FFIEC NIC profile (RSSD 2953418)