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Balance Sheets Overview
Debt to Asset Ratio
90.41%
Unit: Thousand (K) dollars
Assets Breakdown
Total loans
Interest-bearing deposits with b...
Debt securities available for sa...
Others
Liabilities Breakdown
Time deposits
Savings, now and money-market de...
Noninterest-bearing demand depos...
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
14,637
15,074
9,349
9,271
Interest-bearing deposits with banks
131,601
124,942
105,210
225,815
Total cash and cash equivalents
146,238
140,016
114,559
235,086
Debt securities available for sale
26,646
27,044
25,184
22,926
Debt securities held-to-maturity (fair value of 183 and 190)
208
212
214
246
Total loans
1,217,084
1,090,894
958,793
813,722
Net deferred loan fees and costs
1,683
1,300
1,226
892
Allowance for credit losses
11,020
11,061
10,273
10,018
Loans, net of allowance for credit losses of 11,020 and 10,273
1,204,381
1,078,533
947,294
802,812
Federal home loan bank stock
1,966
2,678
3,028
658
Total, at cost
-
-
4,346
-
Less accumulated depreciation and amortization
-
-
1,856
-
Premises and equipment, net
3,132
2,797
2,490
2,308
Other real estate owned
-
-
551
-
Right-of-use lease assets
2,405
2,511
2,617
2,725
Accrued interest receivable
4,862
3,994
3,621
3,171
Deferred tax asset
3,143
3,116
3,108
3,238
Other assets
7,956
7,834
9,012
9,873
Total assets
1,400,937
1,268,735
1,111,678
1,083,043
Noninterest-bearing demand deposits
319,375
304,887
266,520
313,973
Savings, now and money-market deposits
383,297
345,494
306,921
309,087
Time deposits
511,373
442,502
358,309
336,427
Total deposits
1,214,045
1,092,883
931,750
959,487
Federal home loan bank advances
25,000
40,000
50,000
0
Operating lease liabilities
2,547
2,647
2,745
2,846
Other borrowings
14,000
-
-
-
Other liabilities
10,965
6,357
5,286
3,822
Total liabilities
1,266,557
1,141,887
989,781
966,155
Preferred stock, value
-
-
0
-
Preferred stock, value-Series BConvertible Preferred Stock
-
-
-
0
Preferred stock, value-Series BPreferred Stock
-
-
0
-
Preferred stock, value-Series CConvertible Preferred Stock
-
-
-
0
Preferred stock, value-Series CPreferred Stock
-
-
0
-
Common stock, .01 par value 30,000,000 shares authorized, 12,340,785 and 11,533,943 shares issued and outstanding
124
122
115
119
Nonvoting common stock, .01 par value 30,000,000 and 0 shares authorized, 11,458,351 and 0 shares issued and outstanding
115
-
-
-
Additional paid-in capital
113,832
112,993
112,578
112,574
Retained earnings
25,119
18,464
13,801
8,948
Accumulated other comprehensive loss
-4,810
-4,731
-4,597
-4,753
Total stockholders equity
134,380
126,848
121,897
116,888
Total liabilities and stockholders equity
1,400,937
1,268,735
1,111,678
1,083,043
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Total loans
$1,217,084K
(55.13%↑ Y/Y)
Interest-bearing deposits with
banks
$131,601K
(-23.90%↓ Y/Y)
Cash and due from
banks
$14,637K
(65.71%↑ Y/Y)
Loans, net of allowance
for credit losses of...
$1,204,381K
(55.49%↑ Y/Y)
Total cash and cash
equivalents
$146,238K
(-19.54%↓ Y/Y)
Debt securities
available for sale
$26,646K
(19.07%↑ Y/Y)
Other assets
$7,956K
(-3.89%↓ Y/Y)
Accrued interest
receivable
$4,862K
(54.94%↑ Y/Y)
Deferred tax asset
$3,143K
(0.26%↑ Y/Y)
Premises and equipment,
net
$3,132K
(29.10%↑ Y/Y)
Right-of-use lease assets
$2,405K
(-5.76%↓ Y/Y)
Federal home loan bank
stock
$1,966K
(198.78%↑ Y/Y)
Debt securities
held-to-maturity (fair value of...
$208K
(-20.00%↓ Y/Y)
Allowance for credit
losses
$11,020K
Net deferred loan
fees and costs
$1,683K
(148.23%↑ Y/Y)
Total assets
$1,400,937K
(40.22%↑ Y/Y)
Total liabilities and
stockholders equity
$1,400,937K
(40.22%↑ Y/Y)
Total liabilities
$1,266,557K
(42.67%↑ Y/Y)
Total stockholders
equity
$134,380K
(20.68%↑ Y/Y)
Accumulated other
comprehensive loss
-$4,810K
(11.01%↑ Y/Y)
Total deposits
$1,214,045K
(38.14%↑ Y/Y)
Federal home loan bank
advances
$25,000K
Other borrowings
$14,000K
Other liabilities
$10,965K
(75.36%↑ Y/Y)
Operating lease
liabilities
$2,547K
(-4.28%↓ Y/Y)
Additional paid-in capital
$113,832K
(1.63%↑ Y/Y)
Retained earnings
$25,119K
(443.11%↑ Y/Y)
Common stock, .01 par
value 30,000,000...
$124K
(5.08%↑ Y/Y)
Nonvoting common stock,
.01 par value...
$115K
Time deposits
$511,373K
(60.74%↑ Y/Y)
Savings, now and
money-market deposits
$383,297K
(27.38%↑ Y/Y)
Noninterest-bearing demand deposits
$319,375K
(22.92%↑ Y/Y)
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OptimumBank Holdings, Inc. (OPHC)
OptimumBank Holdings, Inc. (OPHC)