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Income Statement
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Balance Sheet
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Income Overview
Net Income
$6,655K
EPS
$0.28
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans
20,386
18,114
14,987*
14,082
Debt securities
204
191
169*
153
Other
1,134
1,148
1,338*
2,086
Total interest income
21,724
19,453
16,493*
16,321
Deposits
6,633
6,176
5,578*
5,273
Borrowings
394
87
261*
-
Total interest expense
7,027
6,263
5,839*
5,273
Net interest income
14,697
13,190
10,654*
11,048
Credit gain (reversal) expense
-37
770
-668*
763
Net interest income after credit loss expense
14,734
12,420
11,322*
10,285
Service charges and fees
1,551
1,313
1,131*
1,252
Other
935
471
-80*
730
Total noninterest income
2,486
1,784
1,050*
1,982
Salaries and employee benefits
5,279
4,988
3,183*
4,004
Professional fees
363
295
305*
276
Occupancy and equipment
354
338
300*
327
Data processing
986
914
621*
788
Regulatory assessment
196
179
195*
126
Gain on sale and write-downs of other real estate owned
-
-5
-
-
Other
1,204
1,297
1,375*
1,083
Total noninterest expenses
8,382
8,006
5,977*
6,604
Income before income taxes
8,838
6,198
6,395*
5,663
Income taxes
2,183
1,535
1,634*
1,340
Net income
6,655
4,663
4,761
4,323
Basic EPS
0.4
0.39
0.412
0.37
Diluted EPS
0.28
0.2
0.407
0.18
Basic Average Shares
-
11,974,503
11,567,369
11,772,744
Diluted Average Shares
23,694,537
23,592,208
11,697,065*
23,412,274
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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Income Statement
Loans
$20,386K
(45.34%↑ Y/Y)
Other
$1,134K
(-19.23%↓ Y/Y)
Debt securities
$204K
(29.11%↑ Y/Y)
Total interest income
$21,724K
(39.36%↑ Y/Y)
Net interest income
$14,697K
(43.50%↑ Y/Y)
Credit gain (reversal)
expense
-$37K
(-103.56%↓ Y/Y)
Service charges and fees
$1,551K
(41.13%↑ Y/Y)
Other
$935K
(27.21%↑ Y/Y)
Total interest
expense
$7,027K
(31.44%↑ Y/Y)
Net interest income
after credit loss...
$14,734K
(60.12%↑ Y/Y)
Total noninterest
income
$2,486K
(35.55%↑ Y/Y)
Deposits
$6,633K
(24.63%↑ Y/Y)
Borrowings
$394K
(1541.67%↑ Y/Y)
Income before income
taxes
$8,838K
(82.04%↑ Y/Y)
Total noninterest
expenses
$8,382K
(35.61%↑ Y/Y)
Net income
$6,655K
(84.76%↑ Y/Y)
Income taxes
$2,183K
(74.22%↑ Y/Y)
Salaries and employee
benefits
$5,279K
(41.23%↑ Y/Y)
Other
$1,204K
(15.00%↑ Y/Y)
Data processing
$986K
(57.76%↑ Y/Y)
Professional fees
$363K
(32.00%↑ Y/Y)
Occupancy and equipment
$354K
(20.41%↑ Y/Y)
Regulatory assessment
$196K
(-2.97%↓ Y/Y)
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OptimumBank Holdings, Inc. (OPHC)
OptimumBank Holdings, Inc. (OPHC)