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. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. OptimumBank Holdings Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001493152-25-021952), on November 12, 2025, and is solely responsible for the information contained therein. © Copyright 2025 - Public Technologies (PUBT) Original Document: here