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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	143.46	93.63	76.66	71.84	58.97	54.63
Investment Securities	12.77	12.48	12.9	12.44	17.5	6.38
Mortgage-Backed Securities	10.54	10.57	11.82	13.21	17.94	15.91
Total Investments	23.31	23.05	24.72	25.64	35.43	22.29
Gross Loans	800.24	804.24	680.07	483.38	251.4	154.92
Allowance for Loan Losses	-8.27	-8.66	-7.68	-5.79	-3.08	-1.91
Other Adjustments to Gross Loans	-0.74	-0.6	-1.29	-0.37	-0.42	-0.54
Net Loans	791.23	794.99	671.09	477.22	247.9	152.47
Property, Plant & Equipment	4.9	4.74	3.54	3.05	2.58	2.32
Accrued Interest Receivable	3.29	3.35	2.47	1.44	0.97	1.34
Long-Term Deferred Tax Assets	2.78	3	2.9	3.84	3.44	0.03
Other Long-Term Assets	7.38	7.25	6.52	1.59	1.79	0.95
Total Assets	977.47	932.93	791.25	585.22	351.88	235.11
Interest Bearing Deposits	617.16	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	235.78	211.9	194.89	159.19	124.12	58.31
Total Deposits	852.93	772.2	639.58	507.9	292.46	190.76
Short-Term Borrowings	10	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	2.75	2.34	2.25	2.17	1.78	0.92
Trust Preferred Securities	-	-	-	-	-	2.07
Other Long-Term Liabilities	3.79	4.78	3.82	2.57	1	0.39
Total Liabilities	869.47	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	112.02	111.49	91.22	90.41	65.19	50.26
Retained Earnings	1.02	-2.85	-15.97	-22.07	-26.1	-32.39
Comprehensive Income & Other	-5.15	-5.57	-5.32	-5.83	-0.64	-0.07
Shareholders' Equity	108	103.18	70.01	62.58	38.51	17.83
Total Liabilities & Equity	977.47	932.93	791.25	585.22	351.88	235.11
Total Debt	12.75	52.77	77.85	12.17	19.78	25.99
Net Cash (Debt)	130.71	40.86	-1.19	59.66	39.2	28.64
Net Cash Growth	36.77%	-	-	52.22%	36.86%	-
Net Cash Per Share	11.89	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	9.19	8.87	9.66	8.87	8.06	5.57
Tangible Book Value	108	103.18	70.01	62.58	38.51	17.83
Tangible Book Value Per Share	9.19	8.87	9.66	8.87	8.06	5.57

Updated Feb 26, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q