OptimumBank Holdings, Inc. — Third Quarter 2026 Earnings Summary

OptimumBank Holdings, Inc. reported net income of $7.2 million, or $0.30 per share, for the third quarter of 2026, marking an increase from the previous quarter and the same period last year. The company's gross loan portfolio grew by $150.2 million to $1.37 billion, while total deposits rose by $128.8 million to $1.34 billion during the quarter. Net interest income increased to $16.8 million, driven by higher yields on loans and securities, resulting in a net interest margin of 4.63%. Additionally, the company strengthened its capital position through a $35.0 million subordinated debt offering and maintained strong asset quality with net charge-offs of only $11,000.