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 strategic growth initiatives.
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. Gross loans increased by $126.2 million during the quarter to $1.2 billion, total deposits grew by $121.2 million to $1.2 billion, and total assets reached $1.4 billion. Return on average assets increased to an annualized 2.04% and return on average equity rose to 20.34%.
The record earnings reflect OptimumBank's ability to expand its loan portfolio and deposit base while maintaining strong asset quality. The company's focus on personalized service and competitive pricing has driven customer acquisition and retention. The bank supports economic development and community growth through responsible banking practices, offering business banking, business lending, SBA lending solutions, treasury management, and personal banking.
Investors and analysts will have the opportunity to gain further insights during the company's webcast to discuss its results on Aug. 13, 2026, at 1 p.m. ET. For more details, the full press release is available at https://nnw.fm/PKIsB.
OptimumBank Holdings, founded in 2000 and headquartered in Fort Lauderdale, Florida, is a full-service community bank that emphasizes personalized service and innovative financial solutions. The latest news and updates relating to OPHC are available in the company's newsroom at https://nnw.fm/OPHC.
