OptimumBank Holdings reports Q3 net earnings of $4.32 million
OptimumBank Holdings Inc. reported net earnings of $4.3 million for the third quarter of 2025, compared to $3.6 million in the previous quarter and $3.3 million in the same period last year. Basic earnings per share were $0.37, and diluted earnings per share were $0.18. For the nine-month period ended September 30, 2025, net earnings totaled $11.8 million. Total assets increased by $83.9 million to $1.08 billion since June 30, 2025. Total deposits grew by $80.6 million to $959.5 million, and gross loans increased by $29.2 million during the quarter. Stockholders' equity rose by $5.5 million to $116.9 million. Net interest income reached $11.0 million, up from $10.2 million in the previous quarter. The net interest margin increased to 4.4 percent, with the cost of interest-bearing liabilities at 3.5 percent. The efficiency ratio improved to 50.7 percent.
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