OptimumBank Holdings Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

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 Income on Loans	68.02	57.15	52.05	31.76	17.95	9.76
Interest Income on Investments	6.92	7.21	7.58	4.02	1.93	0.63
Total Interest Income	74.94	64.35	59.63	35.78	19.88	10.39
Interest Paid on Deposits	23.64	21.43	22.96	11.6	3.23	0.65
Interest Paid on Borrowings	0.49	0.33	1.98	0.47	0.81	0.33
Total Interest Expense	24.13	21.77	24.94	12.07	4.05	0.99
Net Interest Income	50.81	42.59	34.69	23.71	15.84	9.4
Net Interest Income Growth	34.19%	22.76%	46.29%	49.74%	68.40%	88.46%
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.34
Other Non-Interest Income	7.98	6.77	4.62	3.45	2.96	1.43
Total Non-Interest Income	7.98	6.77	4.62	3.45	2.96	1.77
Non-Interest Income Growth	52.02%	46.53%	33.92%	16.62%	66.86%	503.40%
Revenues Before Loan Losses	58.79	49.36	39.31	27.17	18.8	11.18
Provision for Loan Losses	1.89	2.04	2.22	4.05	3.47	1.17
Revenue	56.89	47.33	37.09	23.12	15.33	10.01
Revenue Growth	37.86%	27.59%	60.44%	50.80%	53.22%	134.64%
Salaries and Employee Benefits	16.94	13.92	10.61	7.77	5.08	3.45
Occupancy Expenses	0.89	0.77	0.51	0.43	0.44	0.44
Federal Deposit Insurance	0.66	0.69	0.8	0.55	0.26	0.16
Selling, General & Administrative	6.41	5.4	4.5	3.36	2.48	1.77
Other Non-Interest Expense	4.84	4.38	3.04	2.17	1.69	1.12
Total Non-Interest Expense	29.74	25.15	19.46	14.29	9.94	6.94
EBT Excluding Unusual Items	27.16	22.17	17.63	8.83	5.39	3.07
Legal Settlements	-	-	-	-0.38	-	-
Pretax Income	27.16	22.17	17.63	8.46	5.39	3.07
Income Tax Expense	6.66	5.52	4.51	2.17	1.37	-3.23
Net Income	20.49	16.65	13.12	6.28	4.02	6.3
Net Income to Common	20.49	16.65	13.12	6.28	4.02	6.3
Net Income Growth	39.20%	26.85%	108.88%	56.18%	-36.10%	-
Basic Shares Outstanding	13	12	9	7	6	4
Diluted Shares Outstanding	29	23	21	7	6	4
Shares Change	31.16%	11.73%	189.54%	21.56%	52.72%	32.88%
EPS (Basic)	1.58	1.42	1.39	0.87	0.68	1.61
EPS (Diluted)	0.82	0.71	0.63	0.87	0.68	1.61
EPS Growth	66.44%	12.70%	-27.42%	28.48%	-58.16%	-

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
Effective Tax Rate	24.53%	24.91%	25.56%	25.71%	25.39%	-

SEC Filings: 10-K · 10-Q