OptimumBank Holdings Inc. (NYSE American: OPHC) Posts Higher Earnings, Loan Growth, and Expanding Deposits in Q3 2025
OptimumBank reported Q3 2025 net earnings of $4.32 million, an increase from both the prior quarter and the same period last year. Total deposits grew 9.17% from Q2 and nearly 19% year-over-year, reaching $959.49 million. Loans expanded during the quarter, driven by growth in commercial real estate and consumer lending. Net interest margin rose to 4.37%, supported by higher asset yields and improved funding costs. Leadership emphasized continued growth, strong capital levels, and a community-banking model centered on relationship banking. OptimumBank Holdings (NYSE American: OPHC), a bank holding company that owns 100% of community bank OptimumBank, headquartered in Fort Lauderdale,…