OptimumBank Holdings Inc. (NYSE American: OPHC) reported net earnings of $4.32 million for the third quarter of 2025, representing growth from both the previous quarter and the same period last year. The holding company, which owns community bank OptimumBank, saw its second-quarter earnings reach $3.60 million and earned $3.30 million in the third quarter of 2024. For the first nine months of 2025, net income totaled $11.8 million, supported by a $5.26 million improvement in net interest income and increased noninterest revenue.
The bank's total assets grew to $1.08 billion, an $83.92 million increase from June 30. Deposits reached $959.49 million, reflecting an $80.62 million quarterly increase and nearly $153 million more than a year earlier. Chairman Moishe Gubin emphasized the institution's community banking approach in a recent interview, stating, "We are a community bank that services businesses and individuals" and highlighting personal service over the technology-driven methods of national banks. "Our customers are truly like family members; they're known to the bank," Gubin said.
OptimumBank's lending portfolio reflects its relationship-focused strategy, with Gubin noting, "We haven't had a bad loan in many, many years," attributing this to a borrower base of familiar, longstanding clients. The bank, founded in 2000 in Fort Lauderdale, Florida, focuses on traditional in-person banking with South Florida businesses and consumers, offering expertise in real estate and commercial lending while avoiding exorbitant fees common at larger institutions.
The company's performance highlights the viability of community banking models in an era dominated by large financial institutions. For investors and industry observers, OptimumBank's results demonstrate how localized, relationship-driven banking can generate consistent growth and asset quality. The full article detailing these results is available at https://ibn.fm/oVqpo, while additional updates relating to OPHC can be found in the company's newsroom at https://ibn.fm/OPHC.
This news matters because it showcases a successful alternative to the consolidation trend in banking, where community banks maintain relevance through personalized service and deep local connections. For customers, it means access to banking without excessive fees and with lenders who understand their specific needs. For the industry, OptimumBank's performance suggests that traditional relationship banking remains competitive, potentially influencing how other regional banks structure their operations. The bank's growth in deposits and assets indicates strong community trust, which could encourage similar institutions to prioritize local engagement over technological expansion alone.
