OptimumBank Holdings, Inc. (OPHC)

NYSEAMERICAN: OPHC · Real-Time Price · USD

5.25

-0.10 (-1.87%)

At close: Feb 18, 2026, 4:00 PM EST

5.36

+0.11 (2.10%)

After-hours: Feb 18, 2026, 8:00 PM EST

OptimumBank Holdings Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	114.56	93.63	76.66	71.84	58.97
Investment Securities	25.4	12.48	12.9	12.44	17.5
Mortgage-Backed Securities	-	10.57	11.82	13.21	17.94
Total Investments	25.4	23.05	24.72	25.64	35.43
Gross Loans	958.79	804.24	680.07	483.38	251.4
Allowance for Loan Losses	-10.27	-8.66	-7.68	-5.79	-3.08
Other Adjustments to Gross Loans	-1.23	-0.6	-1.29	-0.37	-0.42
Net Loans	947.29	794.99	671.09	477.22	247.9
Property, Plant & Equipment	5.66	4.74	3.54	3.05	2.58
Accrued Interest Receivable	3.62	3.35	2.47	1.44	0.97
Long-Term Deferred Tax Assets	3.11	3	2.9	3.84	3.44
Other Long-Term Assets	9.01	7.25	6.52	1.59	1.79
Total Assets	1,112	932.93	791.25	585.22	351.88
Interest Bearing Deposits	665.23	485.52	405.56	301.37	166.65
Institutional Deposits	-	74.78	39.13	47.34	1.69
Non-Interest Bearing Deposits	266.52	211.9	194.89	159.19	124.12
Total Deposits	931.75	772.2	639.58	507.9	292.46
Short-Term Borrowings	-	40	65.6	-	-
Current Portion of Long-Term Debt	-	10	-	-	-
Current Portion of Leases	-	0.43	-	-	-
Other Current Liabilities	-	-	-	-	0.14
Federal Home Loan Bank Debt, Long-Term	50	-	10	10	18
Long-Term Leases	2.75	2.34	2.25	2.17	1.78
Other Long-Term Liabilities	5.29	4.78	3.82	2.57	1
Total Liabilities	989.78	829.75	721.25	522.64	313.37
Common Stock	0.12	0.12	0.07	0.07	0.05
Additional Paid-In Capital	112.58	111.49	91.22	90.41	65.19
Retained Earnings	13.8	-2.85	-15.97	-22.07	-26.1
Comprehensive Income & Other	-4.6	-5.57	-5.32	-5.83	-0.64
Shareholders' Equity	121.9	103.18	70.01	62.58	38.51
Total Liabilities & Equity	1,112	932.93	791.25	585.22	351.88
Total Debt	52.75	52.77	77.85	12.17	19.78
Net Cash (Debt)	61.81	40.86	-1.19	59.66	39.2
Net Cash Growth	51.30%	-	-	52.22%	36.86%
Net Cash Per Share	2.64	4.15	-0.16	10.02	10.05
Filing Date Shares Outstanding	11.53	11.75	7.87	7.25	4.9
Total Common Shares Outstanding	11.53	11.64	7.25	7.06	4.78
Book Value Per Share	10.57	8.87	9.66	8.87	8.06
Tangible Book Value	121.9	103.18	70.01	62.58	38.51
Tangible Book Value Per Share	10.57	8.87	9.66	8.87	8.06

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

SEC Filings: 10-K · 10-Q