OptimumBank Holdings Inc. reported significant 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 previous quarter and $3.30 million during the same period in 2024. For the first nine months of the year, net earnings totaled $11.8 million, up from $9.17 million during the comparable period in 2024.
Net interest income served 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, combined with stable funding costs as older, lower-rate loans rolled off the balance sheet.
Chairman Moishe Gubin emphasized the company's momentum, stating that expansion of the customer base, strengthening of core earnings, and delivery of meaningful value to shareholders continue to build. "Despite ongoing industry headwinds, our team's disciplined approach to deposit pricing, targeted lending, and operating efficiency continues to drive results," Gubin said. "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 Florida-based community and business bank, which focuses on traditional in-person banking with businesses and consumers in South Florida, has positioned itself as an alternative to larger financial institutions by avoiding exorbitant fees. The company has developed expertise in real estate and commercial lending, contributing to what it describes as explosive growth this decade. Additional information about the company is available in its newsroom at https://nnw.fm/OPHC.
This financial performance is significant as it demonstrates how regional banks can achieve growth through disciplined financial management even in challenging economic environments. The bank's success in increasing net interest income while maintaining stable funding costs provides a model for other community banks facing similar market pressures. For investors, the consistent quarterly growth and strong year-to-date performance suggest a stable investment opportunity in the regional banking sector.
