OptimumBank Holdings Reports Record Earnings and Strong Growth in 2025

OptimumBank Holdings, Inc. (NYSE American: OPHC) announced record financial results for both the fourth quarter and full year of 2025, marking the strongest quarter in the company's history. The bank reported net earnings of $4.85 million, or $0.42 per basic share and $0.21 per diluted share, for the fourth quarter of 2025. For the full year ended December 31, 2025, the company generated net earnings of $16.64 million, or $1.42 per basic share and $0.71 per diluted share. This performance was primarily driven by a $7.90 million increase in net interest income and a $2.15 million rise in noninterest income compared to previous periods.

The fourth quarter results reflect continued balance sheet expansion and margin improvement across key financial metrics. During the quarter, total assets reached $1.11 billion, representing significant growth from previous reporting periods. Gross loans grew by 17.83% to $958.79 million, demonstrating the bank's successful lending activities and market penetration. The net interest margin improved to 4.39%, indicating enhanced profitability from the bank's core lending operations. Capital ratios remained well above regulatory minimums throughout the reporting period, providing a solid foundation for future growth and regulatory compliance.

These financial achievements position OptimumBank Holdings for continued growth momentum heading into 2026. The record earnings and strong balance sheet metrics suggest the bank has successfully navigated economic challenges while expanding its market presence. The improvement in net interest margin is particularly significant as it reflects the bank's ability to generate higher returns from its lending activities relative to its funding costs. The substantial growth in gross loans indicates increased demand for the bank's lending products and successful execution of its business strategy.

The company's performance demonstrates the effectiveness of its focus on balance sheet management and margin improvement. Investors and analysts can access additional information about the company's financial results through the full press release available at https://ibn.fm/TBsu9. The latest news and updates relating to OPHC are available in the company's newsroom at https://ibn.fm/OPHC. These financial results are important for current and potential investors as they indicate the bank's growing profitability, expanding market presence, and strong financial position heading into the new fiscal year.

The record earnings announcement comes at a time when many financial institutions are facing economic headwinds, making OptimumBank's performance particularly noteworthy. The bank's ability to achieve such strong results suggests effective management strategies and competitive positioning within the financial services sector. The continued growth in assets and loans indicates successful customer acquisition and retention efforts, while the improved margins reflect efficient operations and pricing strategies. These factors combined create a positive outlook for the bank's future performance and shareholder value creation.