OptimumBank Holdings, Inc. (OPHC)

NYSEAMERICAN: OPHC · Real-Time Price · USD

9.00

+0.21 (2.39%)

Aug 6, 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
Securities and Investments	26.85	25.4	23.05	24.72	25.64	35.43
Net Loans	1,204	947.29	794.99	671.09	477.22	247.9
Net Property, Plant & Equipment	5.54	5.11	4.74	3.54	3.05	2.58
Accrued Interest and Accounts Receivable	4.86	3.62	3.35	2.47	1.44	0.97
Long-Term Investments	1.97	3.03	2.93	3.35	0.6	0.79
Other Non-Earning Assets	11.1	12.67	10.25	9.42	5.43	5.23
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	665.23	560.3	444.69	348.71	168.34
Noninterest-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 Interbank Borrowing and Repurchase Agreements	25	50	50	75.6	10	18
Short-Term Borrowings	14	-	-	-	-	-
Accounts Payable	-	-	-	-	-	0.14
Accrued Expenses	2.55	2.75	2.77	2.25	2.17	1.78
Other 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
Accumulated Other Comprehensive Income	-4.81	-4.6	-5.57	-5.32	-5.83	-0.64
Retained Earnings	25.12	13.8	-2.85	-15.97	-22.07	-26.1
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
Book Value	134.38	121.9	103.18	70.01	62.58	38.51
Book Value Per Share	5.70	5.21	4.92	9.67	10.51	9.88
Tangible Book Value	134.38	121.9	103.18	70.01	62.58	38.51
Tangible Book Value Per Share	5.70	5.21	4.92	9.67	10.51	9.88

SEC Filings: 10-K · 10-Q