OptimumBank Holdings, Inc. (NYSE American: OPHC) reported record net income of $6.7 million, or 40 cents per basic share and 28 cents per diluted share, for the second quarter of 2026, compared with $4.7 million, or 39 cents per basic share and 20 cents per diluted share, in the preceding quarter and $3.6 million, or 31 cents per basic share and 15 cents per diluted share, in the year-ago period. The results reflect robust growth in net interest income and margin expansion.
Net interest income rose to $14.7 million, while net interest margin increased to 4.57%. For the first six months of 2026, net income totaled $11.3 million, up from $7.5 million in the comparable 2025 period. The company attributed the strong performance to a $126.2 million increase in gross loans during the quarter, bringing total loans to $1.2 billion. Total deposits grew by $121.2 million to $1.2 billion, and total assets reached $1.4 billion.
Return on average assets increased to an annualized 2.04%, and return on average equity rose to 20.34%, underscoring the company's efficient use of capital and assets. The results signal sustained momentum for the community bank, which focuses on personalized service and innovative financial solutions.
OptimumBank, founded in 2000 and headquartered in Fort Lauderdale, Florida, operates as a full-service community bank. It offers business banking, business lending, SBA lending solutions, treasury management, and personal banking. The bank emphasizes supporting economic development and community growth through responsible banking practices.
The company will host a webcast to discuss its results on Aug. 13, 2026, at 1 p.m. ET. For more details, the full press release is available at https://nnw.fm/PKIsB. Investors seeking the latest news and updates regarding OPHC can visit the company's newsroom at https://nnw.fm/OPHC.
This record performance highlights OptimumBank's ability to expand its balance sheet and improve profitability in a competitive banking environment. The growth in loans and deposits suggests increasing market share and customer confidence, which could further enhance shareholder value. The strong quarterly results may also signal broader positive trends in community banking, as institutions leverage relationship-based lending to drive earnings.
