$1.4B
total assets, June 30, 2026
OptimumBank is a state nonmember bank based in Fort Lauderdale, FL, owned by OptimumBank Holdings, Inc. (OPHC). As of June 30, 2026 it held $1.4 billion in assets and $1.2 billion in deposits; assets were up 38.8% from a year before. It has 4 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.4B
+38.8% in a year · +9.3% in a quarter
Deposits
$1.2B
+38.3% in a year · +11.2% in a quarter
Loans
$1.2B
+53.3% in a year · +10.3% in a quarter
Profit so far
$12.2M
Jan 1 to Jun 30, 2026 · +48.7% in a year
Capital ratio
10.54%
-1.35 pts in a year
Return on assets
1.95%
+0.25 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 2929 E Commercial Blvd, Fort Lauderdale, FL, 33308
- County
- Broward
- Holding company
- OptimumBank Holdings, Inc. (OPHC)
- Established
- Nov 1, 2000
- Employees
- 114
- Branches
- 4
- Website
- www.optimumbank.com
- Id
- b35430
Quarter by quarter
December 31, 2000 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
4 offices as of June 30, 2026, holding $1.2 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Florida | 4 | $1.2B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Ft Lauderdale Branch | Fort Lauderdale, FL | $1.0B |
| Deerfield Beach Branch | Deerfield Beach, FL | $149M |
| North Miami Beach Branch | North Miami Beach, FL | $36.5M |
| Optimumbank (main office) | Fort Lauderdale, FL | $0 |
Related pages
Questions and answers
How big is OptimumBank?
$1.4 billion in total assets and $1.2 billion in deposits as of June 30, 2026, with assets up 38.8% from a year before. Its loans were $1.2 billion.
How many branches does OptimumBank have?
4 branches in Florida as of June 30, 2026.
Is OptimumBank profitable?
Yes: it earned $12.2 million from January 1 to June 30, 2026 (up 48.7% from the same months a year before). Its return on assets was 1.95% a year; about 1% is typical.
Who owns OptimumBank?
OptimumBank is owned by OptimumBank Holdings, Inc., its holding company, which is listed as OPHC.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.