According to Globe Newswire, OptimumBank Holdings Inc. reported strong financial performance for the fourth quarter and full year of 2025, marking the most profitable period in the company’s history. The bank holding company posted net earnings of $4.85 million for the fourth quarter, compared with $4.32 million in the prior quarter and $3.95 million in the same period last year.
For the full year ended December 31, 2025, OptimumBank reported net earnings of $16.65 million, an increase from $13.12 million in 2024. The year-over-year improvement was driven primarily by higher net interest income and increased noninterest income, reflecting continued balance sheet expansion and disciplined pricing strategies.
During the fourth quarter, total assets grew to approximately $1.11 billion, while gross loans increased significantly to $958.79 million, reflecting strong growth in commercial real estate and residential real estate lending. Total deposits declined modestly on a quarter-over-quarter basis to $931.75 million, largely due to seasonal reductions in noninterest-bearing demand deposits, but remained up more than 20 percent compared to the prior year.
Profitability metrics also strengthened. Return on average assets rose to 1.77 percent for the quarter, while return on average equity increased to 16.23 percent. Net interest margin expanded to 4.39 percent, supported by lower funding costs and growth in interest-earning assets.
Credit quality remained solid throughout the quarter. Credit loss expense declined compared to prior periods, nonaccrual loans decreased year over year, and net charge-offs remained modest. Capital levels continued to exceed regulatory requirements, positioning the company to support future growth.
Management highlighted 2025 as a milestone year and noted that the company is nearing the next phase of its strategic plan. OptimumBank is preparing to expand into complementary financing verticals, including specialized lending platforms expected to launch in 2026, while continuing to invest in technology, talent, and targeted growth initiatives.
With record earnings, strong capital ratios, and sustained loan growth, OptimumBank Holdings enters 2026 with momentum and a balance sheet positioned to support continued expansion.