OptimumBank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3B | $1.1B | $1.1B | $126M | $5M | 1.70% | 16.45% | 4.56% | 0.20% |
| Q4 2025 | $1.1B | $933M | $947M | $121M | $5M | 1.75% | 16.09% | 4.29% | 0.30% |
| Q3 2025 | $1.1B | $961M | $803M | $116M | $5M | 1.72% | 15.81% | 4.22% | 0.37% |
| Q2 2025 | $999M | $880M | $775M | $111M | $4M | 1.69% | 15.42% | 4.17% | 0.41% |
| Q1 2025 | $977M | $854M | $791M | $107M | $4M | 1.77% | 16.25% | 4.07% | 0.94% |
| Q4 2024 | $933M | $774M | $795M | $101M | $4M | 1.56% | 16.23% | 3.98% | 0.94% |
| Q3 2024 | $945M | $807M | $769M | $92M | $4M | 1.54% | 16.64% | 3.92% | 0.28% |
| Q2 2024 | $899M | $763M | $752M | $87M | $4M | 1.52% | 16.73% | 3.89% | 0.37% |
| Q1 2024 | $940M | $801M | $746M | $82M | $3M | 1.29% | 14.67% | 3.70% | 0.10% |
| Q4 2023 | $791M | $641M | $671M | $70M | $3M | 1.09% | 11.34% | 3.70% | 0.15% |
| Q3 2023 | $713M | $620M | $574M | $64M | $2M | 0.94% | 9.62% | 3.61% | 0.18% |
| Q2 2023 | $632M | $554M | $519M | $64M | $2M | 0.98% | 9.63% | 3.65% | 0.00% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.