OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	181.75	93.63	76.66	71.84	58.97	54.63
Investment Securities	12.48	12.48	12.9	12.44	17.5	6.38
Mortgage-Backed Securities	10.16	10.57	11.82	13.21	17.94	15.91
Total Investments	22.64	23.05	24.72	25.64	35.43	22.29
Gross Loans	784.56	804.24	680.07	483.38	251.4	154.92
Allowance for Loan Losses	-9.34	-8.66	-7.68	-5.79	-3.08	-1.91
Other Adjustments to Gross Loans	-0.68	-0.6	-1.29	-0.37	-0.42	-0.54
Net Loans	774.55	794.99	671.09	477.22	247.9	152.47
Property, Plant & Equipment	4.98	4.74	3.54	3.05	2.58	2.32
Accrued Interest Receivable	3.14	3.35	2.47	1.44	0.97	1.34
Long-Term Deferred Tax Assets	3.14	3	2.9	3.84	3.44	0.03
Other Long-Term Assets	8.28	7.25	6.52	1.59	1.79	0.95
Total Assets	999.13	932.93	791.25	585.22	351.88	235.11
Interest Bearing Deposits	619.05	485.52	405.56	301.37	166.65	129.91
Institutional Deposits	-	74.78	39.13	47.34	1.69	2.54
Non-Interest Bearing Deposits	259.82	211.9	194.89	159.19	124.12	58.31
Total Deposits	878.87	772.2	639.58	507.9	292.46	190.76
Short-Term Borrowings	-	40	65.6	-	-	-
Current Portion of Long-Term Debt	-	10	-	-	-	-
Current Portion of Leases	-	0.43	-	-	-	-
Other Current Liabilities	-	-	-	-	0.14	0.14
Federal Home Loan Bank Debt, Long-Term	-	-	10	10	18	23
Long-Term Leases	2.66	2.34	2.25	2.17	1.78	0.92
Trust Preferred Securities	-	-	-	-	-	2.07
Other Long-Term Liabilities	6.25	4.78	3.82	2.57	1	0.39
Total Liabilities	887.78	829.75	721.25	522.64	313.37	217.28
Common Stock	0.12	0.12	0.07	0.07	0.05	0.03
Additional Paid-In Capital	112.01	111.49	91.22	90.41	65.19	50.26
Retained Earnings	4.63	-2.85	-15.97	-22.07	-26.1	-32.39
Comprehensive Income & Other	-5.41	-5.57	-5.32	-5.83	-0.64	-0.07
Shareholders' Equity	111.35	103.18	70.01	62.58	38.51	17.83
Total Liabilities & Equity	999.13	932.93	791.25	585.22	351.88	235.11
Total Debt	2.66	52.77	77.85	12.17	19.78	25.99
Net Cash (Debt)	179.09	40.86	-1.19	59.66	39.2	28.64
Net Cash Growth	214.56%	-	-	52.22%	36.86%	-
Net Cash Per Share	15.55	4.15	-0.16	10.02	10.05	9.76
Filing Date Shares Outstanding	11.75	11.75	7.87	7.25	4.9	3.2
Total Common Shares Outstanding	11.75	11.64	7.25	7.06	4.78	3.2
Book Value Per Share	9.48	8.87	9.66	8.87	8.06	5.57
Tangible Book Value	111.35	103.18	70.01	62.58	38.51	17.83
Tangible Book Value Per Share	9.48	8.87	9.66	8.87	8.06	5.57

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

SEC Filings: 10-K · 10-Q