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. This compares 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 underscore the company's strong operational performance and growth trajectory.
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 improvement in net interest margin reflects the bank's effective asset-liability management and favorable interest rate environment.
Gross loans increased by $126.2 million during the quarter to $1.2 billion, while total deposits grew by $121.2 million to $1.2 billion. Total assets reached $1.4 billion. This growth indicates strong demand for the bank's lending products and successful deposit-gathering initiatives. The company's return on average assets rose to an annualized 2.04%, and return on average equity increased to 20.34%, highlighting efficient use of capital and assets.
OptimumBank Holdings will host a webcast to discuss its results on Aug. 13, 2026, at 1 p.m. ET. Investors and analysts can access the webcast through the company's investor relations page. For more details, the full press release is available at https://nnw.fm/PKIsB.
The record earnings reflect the bank's focus on personalized service and community banking. Founded in 2000 and headquartered in Fort Lauderdale, Florida, OptimumBank is a full-service community bank offering business banking, business lending, SBA lending solutions, treasury management, and personal banking. The bank emphasizes responsible banking practices to support economic development and community growth.
OptimumBank's strong performance in Q2 2026 positions it well for continued growth. The increase in loans and deposits demonstrates the bank's ability to attract and retain customers in a competitive market. The improved net interest margin and high returns on assets and equity signal operational efficiency and effective risk management.
Investors seeking the latest news and updates regarding OPHC can visit the company's newsroom at https://nnw.fm/OPHC. The company's sustained earnings growth and solid balance sheet metrics make it a notable player in the community banking sector.
