OptimumBank Holdings Reports Strong Third Quarter Earnings Driven by Net Interest Income Growth

OptimumBank Holdings Inc. (NYSE American: OPHC) reported substantial financial growth in the third quarter of 2025, with net earnings reaching $4.32 million, or $0.37 per basic share. This represents an increase from $3.60 million in the prior quarter and $3.30 million in the year-earlier period. For the first nine months of the year, net earnings totaled $11.8 million, up from $9.17 million during the same period in 2024. The company's performance demonstrates resilience amid industry challenges and reflects its strategic focus on core banking operations.

Net interest income emerged as a primary driver of this growth, rising to $11.05 million in the quarter. This marked an increase of $810,000 from the second quarter and more than $2 million from the third quarter of 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. The bank's disciplined approach to deposit pricing and targeted lending has enabled it to maintain profitability while navigating competitive market conditions.

Chairman Moishe Gubin emphasized the company's momentum, stating, "Our momentum continues to build as we expand our customer base, strengthen our core earnings, and deliver meaningful value to our shareholders." He added, "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." The full article detailing these financial results is available at https://nnw.fm/1TgTh.

The bank's success is particularly notable given its focus on traditional in-person banking with businesses and consumers in South Florida. Founded in 2000 in Ft. Lauderdale, Florida, OptimumBank has positioned itself as an alternative to larger financial institutions by avoiding exorbitant fees and leveraging expertise in real estate and commercial lending. This customer-centric approach has contributed to what the company describes as "explosive growth" this decade, with plans to capitalize on this momentum in the coming months and years. Investors seeking the latest news and updates relating to OPHC can access the company's newsroom at https://nnw.fm/OPHC.

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