OptimumBank Holdings, Inc. (OPHC)
NYSEAMERICAN: OPHC · Real-Time Price · USD
9.24
+0.28 (3.12%)
Aug 26, 2026, 4:00 PM EDT - Market closed
OptimumBank Holdings Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 146.24 | 114.56 | 93.63 | 76.66 | 71.84 | 58.97 |
Investment Securities | 12.87 | 13.06 | 12.48 | 12.9 | 12.44 | 17.5 |
Mortgage-Backed Securities | 13.98 | 12.34 | 10.57 | 11.82 | 13.21 | 17.94 |
Total Investments | 26.85 | 25.4 | 23.05 | 24.72 | 25.64 | 35.43 |
Gross Loans | 1,217 | 958.79 | 804.24 | 680.07 | 483.38 | 251.4 |
Allowance for Loan Losses | -11.02 | -10.27 | -8.66 | -7.68 | -5.79 | -3.08 |
Other Adjustments to Gross Loans | -1.68 | -1.23 | -0.6 | -1.29 | -0.37 | -0.42 |
Net Loans | 1,204 | 947.29 | 794.99 | 671.09 | 477.22 | 247.9 |
Property, Plant & Equipment | 5.54 | 5.11 | 4.74 | 3.54 | 3.05 | 2.58 |
Accrued Interest Receivable | 4.86 | 3.62 | 3.35 | 2.47 | 1.44 | 0.97 |
Long-Term Deferred Tax Assets | 3.14 | 3.11 | 3 | 2.9 | 3.84 | 3.44 |
Other Real Estate Owned & Foreclosed | - | 0.55 | - | - | - | - |
Other Long-Term Assets | 7.96 | 9.01 | 7.25 | 6.52 | 1.59 | 1.79 |
Total Assets | 1,401 | 1,112 | 932.93 | 791.25 | 585.22 | 351.88 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Interest Bearing Deposits | 894.67 | 570.22 | 485.52 | 405.56 | 301.37 | 166.65 |
Institutional Deposits | - | 95.01 | 74.78 | 39.13 | 47.34 | 1.69 |
Non-Interest Bearing Deposits | 319.38 | 266.52 | 211.9 | 194.89 | 159.19 | 124.12 |
Total Deposits | 1,214 | 931.75 | 772.2 | 639.58 | 507.9 | 292.46 |
Short-Term Borrowings | 25 | 50 | 40 | 65.6 | - | - |
Current Portion of Long-Term Debt | - | - | 10 | - | - | - |
Current Portion of Leases | - | 0.5 | - | - | - | - |
Other Current Liabilities | - | - | - | - | - | 0.14 |
Federal Home Loan Bank Debt, Long-Term | - | - | - | 10 | 10 | 18 |
Long-Term Leases | 2.55 | 2.25 | 2.77 | 2.25 | 2.17 | 1.78 |
Other Long-Term Liabilities | 10.97 | 5.29 | 4.78 | 3.82 | 2.57 | 1 |
Total Liabilities | 1,267 | 989.78 | 829.75 | 721.25 | 522.64 | 313.37 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Common Stock | 0.24 | 0.12 | 0.12 | 0.07 | 0.07 | 0.05 |
Additional Paid-In Capital | 113.83 | 112.58 | 111.49 | 91.22 | 90.41 | 65.19 |
Retained Earnings | 25.12 | 13.8 | -2.85 | -15.97 | -22.07 | -26.1 |
Comprehensive Income & Other | -4.81 | -4.6 | -5.57 | -5.32 | -5.83 | -0.64 |
Shareholders' Equity | 134.38 | 121.9 | 103.18 | 70.01 | 62.58 | 38.51 |
Total Liabilities & Equity | 1,401 | 1,112 | 932.93 | 791.25 | 585.22 | 351.88 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Total Debt | 41.55 | 52.75 | 52.77 | 77.85 | 12.17 | 19.78 |
Net Cash (Debt) | 104.69 | 61.81 | 40.86 | -1.19 | 59.66 | 39.2 |
Net Cash Growth | -41.54% | 51.30% | - | - | 52.22% | 36.86% |
Net Cash Per Share | 3.57 | 2.64 | 1.95 | -0.16 | 10.02 | 10.05 |
Filing Date Shares Outstanding | 24.08 | 12.17 | 11.75 | 7.87 | 7.25 | 4.9 |
Total Common Shares Outstanding | 23.8 | 11.53 | 11.64 | 7.25 | 7.06 | 4.78 |
Book Value Per Share | 5.65 | 10.57 | 8.87 | 9.66 | 8.87 | 8.06 |
Tangible Book Value | 134.38 | 121.9 | 103.18 | 70.01 | 62.58 | 38.51 |
Tangible Book Value Per Share | 5.65 | 10.57 | 8.87 | 9.66 | 8.87 | 8.06 |