OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	55.39	52.05	31.76	17.95	9.76	6.41
Interest Income on Investments	7.17	7.58	4.02	1.93	0.63	0.3
Total Interest Income	62.56	59.63	35.78	19.88	10.39	6.71
Interest Paid on Deposits	21.88	22.96	11.6	3.23	0.65	1.28
Interest Paid on Borrowings	0.73	1.98	0.47	0.81	0.33	0.44
Total Interest Expense	22.61	24.94	12.07	4.05	0.99	1.72
Net Interest Income	39.95	34.69	23.71	15.84	9.4	4.99
Net Interest Income Growth (YoY)	22.55%	46.29%	49.74%	68.40%	88.46%	59.53%
Gain (Loss) on Sale of Assets	-	-	-	-	0.34	-
Other Non-Interest Income	6.12	4.62	3.45	2.96	1.43	0.02
Total Non-Interest Income	6.12	4.62	3.45	2.96	1.77	0.29
Non-Interest Income Growth (YoY)	33.08%	33.92%	16.62%	66.86%	503.40%	-
Revenues Before Loan Losses	46.07	39.31	27.17	18.8	11.18	5.28
Provision for Loan Losses	2.25	2.22	4.05	3.47	1.17	1.02
Revenue	43.82	37.09	23.12	15.33	10.01	4.26
Revenue Growth (YoY)	26.98%	60.44%	50.80%	53.22%	134.64%	34.34%
Salaries and Employee Benefits	12.4	10.61	7.77	5.08	3.45	2.11
Occupancy Expenses	0.78	0.51	0.43	0.44	0.44	0.4
Federal Deposit Insurance	0.73	0.8	0.55	0.26	0.16	0.16
Selling, General & Administrative	5.23	4.5	3.36	2.48	1.77	1.5
Other Non-Interest Expense	3.67	3.04	2.17	1.69	1.12	0.88
Total Non-Interest Expense	22.79	19.46	14.29	9.94	6.94	5.05
EBT Excluding Unusual Items	21.03	17.63	8.83	5.39	3.07	-0.78
Legal Settlements	-	-	-0.38	-	-	-
Pretax Income	21.03	17.63	8.46	5.39	3.07	-0.78
Income Tax Expense	5.28	4.51	2.17	1.37	-3.23	-
Net Income	15.75	13.12	6.28	4.02	6.3	-0.78
Net Income to Common	15.75	13.12	6.28	4.02	6.3	-0.78
Net Income Growth	34.33%	108.88%	56.18%	-36.10%	-	-
Basic Shares Outstanding	11	9	7	6	4	3
Diluted Shares Outstanding	12	10	7	6	4	3
Shares Change (YoY)	-29.99%	36.00%	21.56%	52.72%	32.88%	54.28%
EPS (Basic)	1.37	1.39	0.87	0.68	1.61	-0.27
EPS (Diluted)	1.30	1.33	0.87	0.68	1.61	-0.27
EPS Growth	89.25%	53.23%	28.48%	-58.16%	-	-
Effective Tax Rate	25.11%	25.56%	25.71%	25.39%	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q