• OptimumBank reported Q3 2025 net earnings of $4.32 million, an increase from both the prior quarter and the same period last year.
• Total deposits grew 9.17% from Q2 and nearly 19% year-over-year, reaching $959.49 million.
• Loans expanded during the quarter, driven by growth in commercial real estate and consumer lending.
• Net interest margin rose to 4.37%, supported by higher asset yields and improved funding costs.
• Leadership emphasized continued growth, strong capital levels, and a community-banking model centered on relationship banking.

OptimumBank Holdings (NYSE American: OPHC), a bank holding company that owns 100% of community bank OptimumBank, headquartered in Fort Lauderdale, Florida, reported another period of higher earnings, loan expansion, and deposit growth in the third quarter of 2025. The bank posted net income of $4.32 million, or $0.37 per basic share, according to its latest update (https://ibn.fm/6jUHu).

The results mark an increase from both the second quarter’s $3.60 million and the $3.30 million earned in the same period last year. For the first nine months of 2025, net income reached $11.8 million, driven by…

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NOTE TO INVESTORS: The latest news and updates relating to OPHC are available in the newsroom at https://ibn.fm/OPHC

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This contant was orignally distributed by InvestorBrandNetwork (IBN). Blockchain Registration, Verification & Enhancement provided by NewsRamp™. The source URL for this press release is OptimumBank Holdings Inc. (NYSE American: OPHC) Posts Higher Earnings, Loan Growth, and Expanding Deposits in Q3 2025.