For the quarter ending 2026-03-31, OPHC has $1,268,735K in assets. $1,141,887K in debts.
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 15,074 | 9,349 | 9,271 | 8,833 |
| Interest-bearing deposits with banks | 124,942 | 105,210 | 225,815 | 172,921 |
| Total cash and cash equivalents | 140,016 | 114,559 | 235,086 | 181,754 |
| Debt securities available for sale | 27,044 | 25,184 | 22,926 | 22,378 |
| Debt securities held-to-maturity (fair value of 188 and 190) | 212 | 214 | 246 | 260 |
| Total loans | 1,090,894 | 958,793 | 813,722 | - |
| Net deferred loan fees and costs | 1,300 | 1,226 | 892 | - |
| Allowance for credit losses | 11,061 | 10,273 | 10,018 | - |
| Loans, net of allowance for credit losses of 11,061 and 10,273 | 1,078,533 | 947,294 | 802,812 | 774,548 |
| Federal home loan bank stock | 2,678 | 3,028 | 658 | 658 |
| Total, at cost | - | 4,346 | - | - |
| Less accumulated depreciation and amortization | - | 1,856 | - | - |
| Premises and equipment, net | 2,797 | 2,490 | 2,308 | 2,426 |
| Other real estate owned | - | 551 | - | - |
| Right-of-use lease assets | 2,511 | 2,617 | 2,725 | 2,552 |
| Accrued interest receivable | 3,994 | 3,621 | 3,171 | 3,138 |
| Deferred tax asset | 3,116 | 3,108 | 3,238 | 3,135 |
| Other assets | 7,834 | 9,012 | 9,873 | 8,278 |
| Total assets | 1,268,735 | 1,111,678 | 1,083,043 | 999,127 |
| Noninterest-bearing demand deposits | 304,887 | 266,520 | 313,973 | 259,816 |
| Savings, now and money-market deposits | 345,494 | 306,921 | 309,087 | 300,907 |
| Time deposits | 442,502 | 358,309 | 336,427 | 318,142 |
| Total deposits | 1,092,883 | 931,750 | 959,487 | 878,865 |
| Federal home loan bank advances | 40,000 | 50,000 | 0 | 0 |
| Operating lease liabilities | 2,647 | 2,745 | 2,846 | 2,661 |
| Other liabilities | 6,357 | 5,286 | 3,822 | 6,253 |
| Total liabilities | 1,141,887 | 989,781 | 966,155 | 887,779 |
| Preferred stock, value | - | 0 | - | - |
| Preferred stock, value-Series BConvertible Preferred Stock | - | - | 0 | - |
| Preferred stock, value-Series BPreferred Stock | - | 0 | - | 0 |
| Preferred stock, value-Series CConvertible Preferred Stock | - | - | 0 | - |
| Preferred stock, value-Series CPreferred Stock | - | 0 | - | 0 |
| Common stock, .01 par value 30,000,000 shares authorized, 12,166,858 and 11,533,943 shares issued and outstanding | 122 | 115 | 119 | 118 |
| Additional paid-in capital | 112,993 | 112,578 | 112,574 | 112,010 |
| Retained earnings | 18,464 | 13,801 | 8,948 | 4,625 |
| Accumulated other comprehensive loss | -4,731 | -4,597 | -4,753 | -5,405 |
| Total stockholders equity | 126,848 | 121,897 | 116,888 | 111,348 |
| Total liabilities and stockholders equity | 1,268,735 | 1,111,678 | 1,083,043 | 999,127 |
OptimumBank Holdings, Inc. (OPHC)
OptimumBank Holdings, Inc. (OPHC)