Optimumbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Optimumbank of Fort Lauderdale, FL against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.19% | 1.34% | +0.85% | 91st top |
| ROAE | 22.10% | 12.40% | +9.70% | 92nd top |
| Net Interest Margin | 4.48% | 3.83% | +0.65% | 88th top |
| Efficiency Ratio | 44.77% | 57.84% | -13.07% | 86th top |
| PPNR / Avg Assets | 2.86% | — | — | 93rd top |
| Yield on Earning Assets | 6.58% | 5.71% | +0.87% | 91st top |
| Cost of Funds | 2.34% | 2.02% | +0.32% | 28th below |
| Net Interest Spread | 3.49% | — | — | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 1.00% | -0.82% | 83rd top |
| NPA / Total Assets | 0.16% | — | — | 80th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 67th above |
| ACL / Total Loans | 0.91% | — | — | 20th bottom |
| ACL / NPLs (Coverage) | 505.34% | — | — | 81st top |
| Texas Ratio | 1.05% | 5.47% | -4.42% | 82nd top |
| Provision / NCO | 4213.33% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.54% | 11.11% | -0.57% | 51st above |
| Equity / Assets | 9.58% | 11.02% | -1.44% | 34th below |
| TCE / Tangible Assets | 9.58% | — | — | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.76% | 86.99% | +11.77% | 20th bottom |
| Core Deposit Ratio | 77.70% | 85.57% | -7.87% | 17th bottom |
| Wholesale Funding Ratio | 1.80% | — | — | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 38.80% | — | — | 96th top |
| Loan Growth (Y/Y) | 53.27% | — | — | 98th top |
| Deposit Growth (Y/Y) | 38.25% | — | — | 96th top |
See Optimumbank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Optimumbank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Optimumbank profile, how to read a UBPR, or how this data updates.