- Director Michael Blisko’s open-market share purchase signals ongoing insider confidence in OptimumBank’s outlook.
- The Bank posted its strongest quarter on record in Q3 2025, with net earnings of $4.32 million and ROE of about 22.6%.
- Net interest margin expanded to 4.37%, supported by higher-yielding loans and disciplined funding costs.
- Assets topped $1.08 billion and deposits approached $960 million, extending multi-year growth trends.
- Management continues to emphasize relationship banking and selective expansion across South Florida.
OptimumBank Holdings (NYSE American: OPHC), a community and business bank serving Florida, entered the final quarter of 2025 with a visible signal of internal confidence and a set of financial results that place it among the stronger performers in the U.S. community banking sector. The company disclosed earlier this month that Director Michael Blisko purchased additional shares of OptimumBank stock in the open market, a move that coincided closely with management’s characterization of the third quarter as the strongest in the Bank’s history.
According to a Form 4 filing, Blisko acquired 7,600 shares at an average price of $4.09, for a total investment of roughly $31,000 (https://ibn.fm/EIiIa). Insider purchases are closely watched by investors, particularly in smaller financial institutions, as they often reflect directors’ conviction in the sustainability of earnings and balance sheet strength. In this case, the transaction followed a quarter in which OptimumBank delivered record profitability and continued balance sheet expansion.
Headquartered in Fort Lauderdale, Florida, OptimumBank Holdings is a one-bank holding company that owns 100% of OptimumBank, a relationship-driven financial institution serving business and consumer clients both within Florida and beyond. Founded in 2000, the bank has built its franchise around personalized, high-touch banking, combining deep community roots with the ability to support clients across multiple markets without sacrificing service or discipline.
In the third quarter of 2025, OptimumBank reported net earnings of $4.32 million, or $0.37 per basic share, compared with $3.60 million in the prior quarter and $3.30 million in the year-earlier period (https://ibn.fm/WVxp9). For the first nine months of the year, net earnings reached $11.8 million, up from $9.17 million during the same period in 2024.
Net interest income was a primary driver. It rose to $11.05 million in the quarter, an increase of $810,000 from Q2 and more than $2 million from Q3 2024. Management attributed the improvement to higher yields on loans and other earning assets, coupled with stable funding costs as older, lower-rate loans rolled off the balance sheet.
That dynamic pushed OptimumBank’s net interest margin to 4.37% in the quarter, up five basis points sequentially and ahead of the 4.24% year-to-date margin reported earlier in the year. During the Q3 earnings call, executives noted that new loan originations are being booked at higher rates while efforts to reduce interest expense continue, supporting margin expansion (https://ibn.fm/bsg8Y).
Balance sheet growth has remained brisk. Total assets increased by nearly $84 million during the quarter to $1.08 billion, representing an annualized growth rate of roughly 34%. Deposits rose by $80.6 million to $959.5 million, a 9.17% quarter-over-quarter increase and nearly 37% on an annualized basis. Since the third quarter of 2024, deposits have grown by approximately $153 million.
Significantly for a community bank operating in a competitive rate environment, a meaningful portion of that funding remains relationship-based. Core noninterest-bearing demand deposits increased by more than $54 million during the quarter to about $314 million. The bank reported no borrowings in Q3, underscoring the strength of its deposit franchise.
Loan growth has been led by commercial real estate. Gross loans increased by $29.2 million in the quarter to $813.7 million, with commercial real estate balances rising by $46.6 million. Consumer loans also grew modestly, while land and construction loans declined as projects transitioned into permanent financing and management moderated exposure.
Capital strength remains a central theme. Total stockholders’ equity increased to $116.9 million at September 30, 2025, and the Tier 1 capital-to-assets ratio stood at 11.71%, well above the regulatory minimum. During the earnings call, management indicated that this capital position provides flexibility to pursue organic growth and consider mergers and acquisitions if opportunities align with the Bank’s strategy.
Chairman Moishe Gubin framed the results within the context of OptimumBank’s 25th anniversary, pointing to disciplined deposit pricing, targeted lending, and operational focus as drivers of performance. He has also emphasized the Bank’s community orientation, noting in a recent interview that OptimumBank is highly competitive based upon strong customer service and long-term relationships.
“Our momentum continues to build as we expand our customer base, strengthen our core earnings, and deliver meaningful value to our shareholders. Despite ongoing industry headwinds, our team’s disciplined approach to deposit pricing, targeted lending, and operating efficiency continues to drive results. With a growing foundation of loyal customers and a well-capitalized balance sheet, we are entering our next chapter with confidence, agility, and excitement for the opportunities ahead,” Gubin said.
For more information, visit the Bank’s website at www.OptimumBank.com.
NOTE TO INVESTORS: The latest news and updates relating to OPHC are available in the company’s newsroom at https://ibn.fm/OPHC
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