OptimumBank Holdings, Inc. reported third‑quarter 2025 earnings of $4.32 million in net income, translating to $0.37 per basic share and $0.18 per diluted share. The diluted earnings per share beat analyst expectations of $0.15 by $0.03, a 20% surprise that reflects disciplined cost management, higher loan yields, and a modest increase in fee income. Sequentially, earnings rose 20% from $3.60 million in Q2 2025, while year‑over‑year growth of 27% compares to $3.30 million in Q3 2024, underscoring the bank’s ability to sustain profitability in a competitive environment.
The bank’s net interest income increased by $5.26 million over the nine‑month period ended September 30, 2025, driven by a $2.09 million rise in Q3 alone. This improvement stems from a higher mix of interest‑bearing assets and a modest decline in funding costs to 3.48%. Net interest margin widened to 4.37% from 4.32% in the prior quarter, indicating that the bank is successfully capturing higher yields while keeping borrowing costs low.
Deposits grew by $80.62 million to $959.49 million, a 9.17% quarter‑over‑quarter increase and a 36.68% annualized gain. The loan portfolio expanded by $29.16 million to $813.72 million, a 3.72% rise. Commercial real‑estate lending contributed $46.64 million, while consumer lending added $5.79 million, reflecting robust demand in both segments and the bank’s focus on local market opportunities.
OptimumBank’s capital profile remained strong, with Tier 1 capital at 11.71% of total assets and an allowance for credit losses of $10.02 million, or 1.23% of loans. The conservative capital buffer and low loss reserve ratio demonstrate prudent risk management and support continued lending growth.
Chairman Moishe Gubin highlighted the bank’s 25th‑anniversary milestone, noting that “our disciplined approach to deposit pricing, targeted lending, and operating efficiency continues to drive results, even amid industry headwinds.” The market reacted modestly, with the stock rising 0.97% as investors rewarded the earnings beat and the bank’s solid balance‑sheet metrics.
No forward guidance was disclosed in the earnings release, leaving investors to interpret the results in the context of the bank’s ongoing focus on organic growth, technology investment, and community‑centric strategy.
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