OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	57.15	52.05	31.76	17.95	9.76
Interest Income on Investments	7.21	7.58	4.02	1.93	0.63
Total Interest Income	64.35	59.63	35.78	19.88	10.39
Interest Paid on Deposits	21.43	22.96	11.6	3.23	0.65
Interest Paid on Borrowings	0.33	1.98	0.47	0.81	0.33
Total Interest Expense	21.77	24.94	12.07	4.05	0.99
Net Interest Income	42.59	34.69	23.71	15.84	9.4
Net Interest Income Growth (YoY)	22.76%	46.29%	49.74%	68.40%	88.46%
Gain (Loss) on Sale of Assets	-0.05	-	-	-	0.34
Other Non-Interest Income	6.77	4.62	3.45	2.96	1.43
Total Non-Interest Income	6.72	4.62	3.45	2.96	1.77
Non-Interest Income Growth (YoY)	45.36%	33.92%	16.62%	66.86%	503.40%
Revenues Before Loan Losses	49.31	39.31	27.17	18.8	11.18
Provision for Loan Losses	2.04	2.22	4.05	3.47	1.17
Revenue	47.27	37.09	23.12	15.33	10.01
Revenue Growth (YoY)	27.45%	60.44%	50.80%	53.22%	134.64%
Salaries and Employee Benefits	14.8	10.61	7.77	5.08	3.45
Occupancy Expenses	1.23	0.51	0.43	0.44	0.44
Federal Deposit Insurance	0.69	0.8	0.55	0.26	0.16
Selling, General & Administrative	3.87	4.5	3.36	2.48	1.77
Other Non-Interest Expense	4.52	3.04	2.17	1.69	1.12
Total Non-Interest Expense	25.1	19.46	14.29	9.94	6.94
EBT Excluding Unusual Items	22.17	17.63	8.83	5.39	3.07
Legal Settlements	-	-	-0.38	-	-
Pretax Income	22.17	17.63	8.46	5.39	3.07
Income Tax Expense	5.52	4.51	2.17	1.37	-3.23
Net Income	16.65	13.12	6.28	4.02	6.3
Net Income to Common	16.65	13.12	6.28	4.02	6.3
Net Income Growth	26.85%	108.88%	56.18%	-36.10%	-
Basic Shares Outstanding	12	9	7	6	4
Diluted Shares Outstanding	23	10	7	6	4
Shares Change (YoY)	138.18%	36.00%	21.56%	52.72%	32.88%
EPS (Basic)	1.42	1.39	0.87	0.68	1.61
EPS (Diluted)	0.71	1.33	0.87	0.68	1.61
EPS Growth	-46.62%	53.23%	28.48%	-58.16%	-
Effective Tax Rate	24.91%	25.56%	25.71%	25.39%	-

Updated Feb 2, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q