Capital adequacy remains stable with an equity-to-assets ratio consistently between 0.09 and 0.11, supporting the bank's rapid asset growth to $1.3 billion in 2026Q1.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 |
|---|
| Cash & Short Term Investments | 671.41M | 114.56M | 116.4M | 101.02M | 96.94M | 93.36M | 73.52M | 14.34M | 10.34M | 23.1M | 37.86M | 36.11M | 38.82M | 36.87M | 42.26M | 35.13M | 1.21M | 10.06M | 1.08M | 475K | 923K | 502K | 383K | 539K |
| Cash & Due from Banks | 140.02M | 114.56M | 93.63M | 76.66M | 71.84M | 58.97M | 54.63M | 8.93M | 7.98M | 11.66M | 17.64M | 10.37M | 12.07M | 13.88M | 23.61M | 6.22M | 1.21M | 10.06M | 1.08M | 475K | 923K | 502K | 383K | 539K |
| Short Term Investments | 0 | 0 | 22.77M | 24.36M | 25.1M | 34.39M | 18.89M | 5.41M | 2.36M | 11.44M | 20.22M | 25.75M | 26.75M | 22.99M | 18.65M | 28.91M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 29.93M | 972.69M | 818.04M | 695.81M | 502.86M | 283.34M | 174.76M | 113.45M | 86.7M | 79.66M | 97.22M | 108.32M | 102.58M | 102.24M | 103.86M | 118.12M | 164.6M | 215.27M | 243.15M | 232.04M | 215.52M | 196.09M | 153.7M | 129.51M |
| Investments Growth % | -70.59% | 18.91% | 17.57% | 38.37% | 77.48% | 62.13% | 54.05% | 30.85% | 8.84% | -18.07% | -10.25% | 5.6% | 0.33% | -1.56% | -12.08% | -28.24% | -23.54% | -11.47% | 4.79% | 7.67% | 9.91% | 27.58% | 18.68% | - |
| Long-Term Investments | 2.63B | 972.69M | 795.27M | 671.45M | 477.76M | 248.94M | 155.87M | 108.04M | 84.34M | 68.22M | 77M | 82.57M | 75.83M | 79.25M | 85.21M | 89.22M | 164.6M | 215.27M | 243.15M | 232.04M | 215.52M | 196.09M | 153.7M | 129.51M |
| Accounts Receivables | 1.08B | 3.62M | 3.35M | 2.47M | 1.44M | 971K | 1.34M | 432K | 314K | 316K | 380K | 462K | 426K | 496K | 499K | 499K | 644K | 1.09M | 1.28M | 1.45M | 1.25M | 1.03M | 878K | 1.22M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 2.8M | 5.11M | 4.74M | 3.54M | 3.05M | 2.58M | 2.32M | 2.44M | 2.67M | 2.59M | 2.65M | 2.7M | 2.84M | 2.88M | 2.91M | 2.69M | 2.8M | 2.94M | 3.09M | 3.25M | 3.99M | 4.07M | 4.11M | 1.91M |
| Other Assets | 10.35M | 12.59M | 10.17M | 9.87M | 2.19M | 2.58M | 2.07M | 1.49M | 1.79M | 1.64M | 1.81M | 5.63M | 6.62M | 9.29M | 12.87M | 26.93M | 20.28M | 36.25M | 6.57M | 4.34M | 4.02M | 4.35M | 5.48M | 1.99M |
| Total Current Assets | 1.22B | 118.18M | 119.75M | 103.49M | 98.38M | 94.33M | 74.86M | 14.78M | 10.66M | 23.42M | 38.24M | 36.58M | 39.25M | 37.37M | 42.76M | 35.63M | 2.63M | 14.73M | 2.35M | 1.92M | 2.18M | 1.53M | 1.26M | 1.76M |
| Total Non-Current Assets | 46.19M | 993.5M | 813.18M | 687.76M | 486.84M | 257.54M | 160.25M | 111.97M | 88.8M | 72.45M | 81.46M | 90.9M | 85.28M | 91.42M | 100.98M | 118.84M | 187.68M | 255.23M | 253.39M | 239.62M | 223.53M | 204.51M | 163.3M | 133.42M |
| Total Assets | 1.27B | 1.11B | 932.93M | 791.25M | 585.22M | 351.88M | 235.11M | 126.75M | 100.37M | 95.87M | 119.7M | 127.48M | 124.53M | 128.78M | 143.74M | 154.47M | 190.31M | 269.96M | 255.74M | 241.55M | 225.7M | 206.04M | 164.56M | 135.18M |
| Asset Growth % | 74.58% | 19.16% | 17.91% | 35.21% | 66.31% | 49.66% | 85.5% | 26.28% | 4.7% | -19.91% | -6.1% | 2.37% | -3.3% | -10.41% | -6.95% | -18.83% | -29.51% | 5.56% | 5.88% | 7.02% | 9.54% | 25.21% | 21.73% | - |
| Return on Assets (ROA) | 1.56% | 1.63% | 1.52% | 0.91% | 0.86% | 2.15% | -0.43% | -0.97% | 0.81% | -0.55% | -0.32% | -0.13% | 1.27% | -5.19% | -3.15% | -2.17% | -3.67% | -4.37% | 0.21% | 0.75% | 0.85% | 0.86% | 1.05% | 0.72% |
| Accounts Payable | 1.09B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 42.65M | 52.74M | 102.77M | 126.25M | 22.17M | 37.77M | 25.99M | 16.64M | 29.75M | 25.66M | 28.66M | 25.16M | 27.89M | 27.89M | 32.85M | 36.85M | 37.67M | 104.66M | 115.66M | 90.91M | 72.66M | 72.65M | 47.8M | 38.69M |
| Net Debt | -97.37M | -61.81M | 9.14M | 49.59M | -49.66M | -21.2M | -28.64M | 7.71M | 21.77M | 13.99M | 11.02M | 14.79M | 15.82M | 14.01M | 9.24M | 30.63M | 36.46M | 94.59M | 114.58M | 90.43M | 71.73M | 72.15M | 47.42M | 38.15M |
| Long-Term Debt | 0 | 0 | 50M | 62M | 10M | 18M | 2.07M | 2.58M | 4.46M | 5.16M | 5.16M | 5.16M | 5.16M | 5.16M | 5.16M | 5.16M | 36.85M | 104.66M | 115.66M | 90.91M | 72.66M | 72.65M | 47.8M | 38.25M |
| Short-Term Debt | 40M | 50M | 50M | 62M | 10M | 18M | 23M | 13M | 25.16M | 20.5M | 23.5M | 20M | 22.74M | 22.74M | 27.7M | 31.7M | 815K | 0 | 0 | 0 | 0 | 0 | 0 | 439K |
| Other Liabilities | 6.36M | 5.29M | -45.22M | -44.58M | -7.43M | -16.86M | 528K | 1.53M | 2.15M | 2.42M | 1.88M | 1.78M | 2.05M | 2.41M | 2.37M | 2.94M | 1.56M | 2.33M | 2.4M | 3.36M | 3.12M | 922K | 2.04M | 262K |
| Total Current Liabilities | 1.13B | 981.75M | 822.2M | 701.58M | 517.9M | 310.46M | 213.76M | 114.37M | 87.54M | 85.75M | 109.59M | 117.57M | 114.34M | 121.43M | 129.31M | 139.59M | 149.05M | 151.68M | 114.92M | 125.03M | 129.5M | 114.06M | 97.99M | 81.18M |
| Total Non-Current Liabilities | 9M | 8.03M | 7.55M | 19.67M | 4.74M | 2.91M | 3.52M | 5.17M | 6.61M | 7.57M | 7.04M | 6.94M | 7.21M | 7.57M | 7.52M | 8.09M | 38.42M | 106.99M | 118.05M | 94.27M | 75.78M | 73.57M | 49.84M | 38.83M |
| Total Liabilities | 1.14B | 989.78M | 829.75M | 721.25M | 522.64M | 313.37M | 217.28M | 119.54M | 95.06M | 93.32M | 116.62M | 124.51M | 121.55M | 129M | 136.83M | 147.69M | 187.47M | 258.67M | 232.97M | 219.3M | 205.28M | 187.63M | 147.84M | 120.28M |
| Total Equity | 126.85M | 121.9M | 103.18M | 70.01M | 62.58M | 38.51M | 17.83M | 7.21M | 5.31M | 2.54M | 3.08M | 2.97M | 2.98M | -216K | 6.91M | 6.79M | 2.83M | 11.29M | 22.77M | 22.25M | 20.42M | 18.41M | 16.72M | 14.9M |
| Equity Growth % | 89.71% | 18.14% | 47.39% | 11.87% | 62.5% | 115.94% | 147.45% | 35.83% | 108.49% | -17.4% | 3.84% | -0.4% | 1479.17% | -103.13% | 1.83% | 139.37% | -74.88% | -50.42% | 2.33% | 8.93% | 10.93% | 10.09% | 12.23% | - |
| Equity / Assets (Capital Ratio) | 10% | 10.97% | 11.06% | 8.85% | 10.69% | 10.94% | 7.59% | 5.69% | 5.29% | 2.65% | 2.57% | 2.33% | 2.39% | -0.17% | 4.81% | 4.39% | 1.49% | 4.18% | 8.9% | 9.21% | 9.05% | 8.93% | 10.16% | 11.02% |
| Return on Equity (ROE) | 14.63% | 14.79% | 15.16% | 9.48% | 7.96% | 22.35% | -6.25% | -17.58% | 20.28% | -20.94% | -13.1% | -5.48% | 116.18% | -211.38% | -68.59% | -77.89% | -119.71% | -67.43% | 2.31% | 8.16% | 9.45% | 9.11% | 9.93% | 6.54% |
| Book Value per Share | 10.61 | 9.93 | 10.46 | 9.67 | 10.51 | 9.88 | 6.08 | 3.79 | 3.55 | 2.30 | 2.96 | 3.11 | 3.43 | -0.27 | 10.10 | 59.31 | 138.41 | 551.09 | 1096.32 | 1056.41 | 969.66 | 847.64 | 813.22 | 745.07 |
| Tangible BV per Share | 10.61 | 9.93 | 10.46 | 9.67 | 10.51 | 9.88 | 6.08 | 3.79 | 3.55 | 2.30 | 2.96 | 3.11 | 3.43 | -0.27 | 10.10 | 59.31 | 138.41 | 551.09 | 1096.32 | 1056.41 | 969.66 | 847.64 | 813.22 | 745.07 |
| Common Stock | 122K | 115K | 116K | 72K | 71K | 48K | 32K | 28K | 18K | 11K | 11K | 96K | 93K | 80K | 315K | 224K | 8K | 33K | 31K | 30K | 28K | 27K | 27K | 26K |
| Additional Paid-in Capital | 112.99M | 112.58M | 111.48M | 91.22M | 90.41M | 65.19M | 50.26M | 38.99M | 36.13M | 34.09M | 34.04M | 33.33M | 32.96M | 31.46M | 31.06M | 27.49M | 19.07M | 19.05M | 18.49M | 17.31M | 15.93M | 14.14M | 14.05M | 13.8M |
| Retained Earnings | 18.46M | 13.8M | -2.85M | -15.97M | -22.07M | -26.1M | -32.39M | -31.61M | -30.51M | -31.31M | -30.72M | -30.32M | -30.16M | -31.76M | -24.69M | -19.99M | -16.24M | -7.79M | 4.24M | 4.91M | 4.47M | 4.25M | 2.65M | 1.08M |
| Accumulated OCI | -4.73M | -4.6M | -5.57M | -5.32M | -5.83M | -635K | -69K | -205K | -330K | -250K | -252K | -138K | 83K | 4K | 226K | -938K | 0 | 0 | -4K | -4K | -9K | -7K | -3K | -4K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Broward County real estate concentration
According to recent balance sheet data, OPHC has grown total assets from $791.3 million in 2023Q4 to $1.3 billion by 2026Q1, a trajectory that suggests the bank is aggressively deploying capital into its core Broward County real estate lending niche rather than passive securities investments.
The consistent growth in total assets relative to the minimal investment securities portfolio indicates a deliberate strategy of organic loan-led expansion. This trajectory appears to prioritize market share capture in specialized construction lending, though it necessitates careful monitoring of the bank's ability to maintain underwriting standards during rapid scaling.
Based on reported financial statements, OPHC maintains an equity-to-assets ratio that has hovered between 0.09 and 0.11 over the last ten quarters, suggesting a stable capital buffer that supports the bank's current risk profile while providing sufficient room for continued, albeit disciplined, balance sheet growth.
The maintenance of this capital ratio in the face of significant asset growth implies that management is successfully balancing internal capital generation with the demands of its expanding loan book. Investors should monitor whether this capital adequacy remains sufficient if the bank faces a cyclical downturn in its concentrated real estate portfolio.
As reported in quarterly filings, OPHC's cash and bank balances have fluctuated significantly, reaching a peak of $235.1 million in 2025Q3, which suggests a tactical approach to liquidity management designed to support the timing of bespoke construction loan disbursements in the South Florida market.
The variability in cash holdings appears to be a function of the bank's specialized lending model, where liquidity must be readily available for project-based drawdowns. This reliance on cash rather than a large securities portfolio may indicate a preference for immediate funding flexibility over the yield-enhancement strategies typically employed by larger, more diversified regional institutions.
Based on the provided financial data, OPHC's extreme geographic and sector concentration in Broward County real estate warrants further investigation, as the bank's balance sheet lacks the diversification necessary to mitigate a localized economic shock that could rapidly impair its primary asset class.
While the current balance sheet appears healthy, the lack of asset class variety suggests that the bank's risk profile is inherently tied to the health of the South Florida property market. This concentration may lead to outsized volatility in provision expenses if local development conditions deteriorate, potentially challenging the bank's current profitability trajectory.
Quick answers to the most common questions about buying OPHC stock.
As of 2025, OptimumBank Holdings, Inc. (OPHC) had total assets of $1.11B including $118.2M in current assets.
OptimumBank Holdings, Inc. (OPHC) carries total debt of $52.7M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
OptimumBank Holdings, Inc. (OPHC) has total shareholders' equity (book value) of $121.9M ($9.93 book value per share). Book value represents the net worth of the company belonging to common stock holders.
OptimumBank Holdings, Inc. (OPHC) reported a current ratio of 0.12x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.