OptimumBank Holdings, Inc. (OPHC)
OptimumBank Holdings, Inc. (OPHC)
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 4,663 | 4,853 | 4,323 | 7,472 |
| Credit loss expense (reversal) | 770 | 398 | 763 | 875 |
| Write-down of other real estate owned | NaN | 54 | NaN | NaN |
| Depreciation and amortization | 132 | 127 | 124 | 217 |
| Gain on sale of other real estate owned | 5 | NaN | NaN | NaN |
| Deferred income tax benefit | 39 | 77 | -348 | -191 |
| Net (accretion) amortization of fees, premiums and discounts | -65 | -142 | 39 | -65 |
| Stock-based compensation expense | 431 | 0 | 579 | 296 |
| (increase) decrease in accrued interest receivable | 373 | 450 | 33 | -210 |
| Amortization of right-of-use lease assets | 106 | 185 | 104 | 127 |
| Net decrease in operating lease liabilities | -98 | -178 | -92 | -113 |
| (increase) decrease in other assets | -1,178 | -256 | 990 | 1,033 |
| Increase (decrease) in other liabilities | 1,092 | 1,454 | -2,554 | 1,497 |
| Net cash provided by operating activities | 7,870 | 6,634 | 1,915 | 9,292 |
| Principal repayments of debt securities available for sale | 278 | 362 | 318 | 556 |
| Principal repayments of debt securities held-to-maturity | 3 | 32 | 13 | 22 |
| Net (increase) decrease in loans | -131,943 | NaN | NaN | NaN |
| Net increase in loans | NaN | 164,495 | -29,516 | 19,663 |
| Proceeds from sale of other real estate owned | 556 | NaN | NaN | NaN |
| Purchases of premises and equipment | 439 | 309 | 6 | 581 |
| Purchase of debt securities available for sale | 2,342 | 2,350 | NaN | NaN |
| Redemption of fhlb stock | -350 | 2,370 | 0 | -2,271 |
| Net cash used in investing activities | -133,537 | -149,424 | -29,191 | 21,931 |
| Net increase in deposits | 161,133 | -27,737 | 80,622 | 106,670 |
| Net decrease in fhlb advances | 40,000 | NaN | 0 | -50,000 |
| Proceeds from conversion of preferred stock | -1 | NaN | NaN | 0 |
| Net decrease in frb advances | NaN | NaN | NaN | 0 |
| Proceeds from sale of common stock (net of offering costs of 11 and 16) | -8 | 0 | -14 | 231 |
| Net cash provided by financing activities | 151,124 | 22,263 | 80,608 | 56,901 |
| Net increase in cash and cash equivalents | 25,457 | -120,527 | 53,332 | 88,124 |
| Cash and cash equivalents at beginning of the period | 114,559 | 235,086 | 93,630 | NaN |
| Cash and cash equivalents at end of the period | 140,016 | 114,559 | 235,086 | NaN |