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OptimumBank
OptimumBank (OPHC) investor relations material
OptimumBank Emerging Growth Conference 89 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Emerging Growth Conference 89 summary21 Jan, 2026
Business highlights and growth
Celebrated 25th anniversary with rapid asset growth, reaching $1.1 billion in total assets as of December 31, 2023.
Loan-to-deposit ratio slightly over 100%, with $959 million in gross loans and $932 million in deposits.
Net earnings for the year were $16.6 million, up 27% from the prior year, with diluted EPS of $0.72.
Q4 was the strongest quarter to date, with net earnings of $4.9 million and EPS of $0.21.
Net interest margin (NIM) at 4.28%, outperforming peers and expected to rise further.
Loan portfolio and risk management
Loan book grew nearly 20% in a year, primarily driven by commercial real estate (CRE) lending in South Florida.
Average loan size is about $5 million, with a lending limit near $35 million.
CRE portfolio consists mainly of owner-occupied strip malls and smaller deals, not high-risk large buildings.
Credit risk is mitigated by close relationships with borrowers and a strong local market; no significant loan losses in recent years.
Consumer loan portfolio is being wound down, reducing exposure to bad debt.
Capital, strategy, and expansion
Plans to grow capital base through attracting new investors and potential sizable equity raises, but not below book value.
Geographic expansion focuses on following customer relationships, with Tampa area as a key target.
2026 growth strategy includes launching new verticals (factoring, HUD, bridge lending) under the holding company.
Long-term goal is to mature this strategy by 2027-2028, aiming for larger, sustainable returns.
Dividend policy under discussion; management open to shareholder input but currently prioritizes capital retention for growth.
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Next OptimumBank earnings date
Q4 202526 Feb, 2026
OptimumBank
Next OptimumBank earnings date
Q4 202526 Feb, 2026
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