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OptimumBank
OptimumBank (OPHC) investor relations material
OptimumBank Planet MicroCap Las Vegas 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Planet MicroCap Las Vegas 2026 summary17 Jun, 2026
Company history and leadership
Celebrating 25 years, the bank transitioned from an internet bank to a top performer in its category under $3 billion.
Leadership changes included a recapitalization in 2010 and a new CEO in May, with a strong, experienced executive team.
Financial performance and growth
Assets reached nearly $1.3 billion by the end of Q1, with over $1 billion in the loan portfolio and strong deposit growth.
Return on average equity was 15% non-core and 22.5% core, with consistent quarter-over-quarter and year-over-year improvements.
Net interest margin (NIM) stands at 4.49%, significantly above industry benchmarks.
Lending and deposit growth rates have approached 29% over five years, with non-interest income growing at 32%.
Business model and market focus
Operates mainly in South Florida, with a strong presence in the Jewish community and a focus on relationship-driven banking.
Loan portfolio is primarily commercial real estate, with average loan size around $5–5.5 million and average LTV at 52%.
New branches, such as North Miami Beach, have quickly surpassed break-even and integrated into local communities.
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Latest events from OptimumBank
- Q1 2026 net income up 20.5% to $4.7M, with higher net interest margin and strong loan growth.OPHC
Q1 202613 May 2026 - Record earnings, robust growth, and strategic expansion position for continued success.OPHCQ4 202513 Apr 2026
- Key votes include director elections, nonvoting stock authorization, and auditor ratification.OPHCProxy filing31 Mar 2026
- Record growth, new nonvoting stock, and robust governance drive strong performance and outlook.OPHCProxy filing26 Mar 2026
- Record financial results, new nonvoting stock class, and strong governance drive future growth.OPHCProxy Filing17 Mar 2026
- Rapid growth, strong returns, and new verticals drive a robust outlook for 2026.OPHCEmerging Growth Conference 8921 Jan 2026
- Shares registered for resale; high Florida real estate exposure and significant risk factors.OPHCRegistration Filing16 Dec 2025
- Shares registered for resale after private placement; high Florida real estate exposure and market risks.OPHCRegistration Filing16 Dec 2025
- At-the-market $25M equity raise targets bank growth, with high Florida real estate exposure.OPHCRegistration Filing16 Dec 2025
Next OptimumBank earnings date
Q2 202624 Jul, 2026
OptimumBank
Next OptimumBank earnings date
Q2 202624 Jul, 2026
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Amina0781App Store
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@theshortbearx.com
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