# OPTIMUMBANK
FORT LAUDERDALE, FL · FDIC certificate 35430 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.39B | |
| Deposits | $1.22B | |
| Loans and leases | $1.20B | |
| Total equity | $132.8M | |
| Loans / deposits | 97.86% (p80 of band) | 87.10% |
| Liquid assets / assets | 12.70% (p13 of band) | |
| Uninsured deposits / deposits | 28.72% (p44 of band) | 30.76% |
| Brokered deposits | 13.70% | |
| Wholesale funding | 15.51% (p81 of band) | |
| FHLB advances / assets | 1.80% | |
| Tier 1 leverage | 10.54% (p51 of band) | 10.50% |
| Unrealized securities loss / equity | -4.86% (p65 of band) | -7.75% |
| AOCI / equity | -0.16% (p60 of band) | |
| ROA (annualized) | 1.95% (p86 of band) | 1.26% |
| Net interest margin | 4.52% (p88 of band) | 3.70% |
| Efficiency ratio | 47.15% (p17 of band) | |
| Noncurrent loans | 0.18% (p22 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 505.34% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 34.68% (p35 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 38.3% | |
| Employees | 114 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 12 | AOCI drag >20% of equity, charge-offs p90 |  |
| 2011-09 | 12 | capital falling | charge-offs p90 |
| 2011-12 | 6 |  | leverage <7%, leverage <5%, construction >100% equity, AOCI drag >20% of equity, capital falling |
| 2012-03 | 10 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 8 |  | charge-offs p90, uninsured deposits leaving |
| 2012-09 | 8 |  |  |
| 2012-12 | 9 | charge-offs p90 |  |
| 2013-03 | 9 | capital falling | NIM <2.5% |
| 2013-06 | 10 | leverage <7% |  |
| 2013-09 | 9 |  | capital falling |
| 2013-12 | 11 | leverage <5%, construction >100% equity | deposits shrinking |
| 2014-03 | 7 |  | losing money, expense ratio p90, assets shrinking, charge-offs p90 |
| 2014-06 | 5 | assets shrinking | leverage <5%, construction >100% equity |
| 2014-09 | 5 | deposits shrinking | assets shrinking |
| 2014-12 | 5 |  |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 | capital falling | deposits shrinking |
| 2015-09 | 5 | expense ratio p90, charge-offs p90, uninsured deposits leaving | wholesale funding >15%, leverage <7%, capital falling |
| 2015-12 | 4 | wholesale funding >15% | charge-offs p90, uninsured deposits leaving |
| 2016-03 | 3 |  | reserve under noncurrent |
| 2016-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2016-09 | 1 |  | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 5 | brokered >10%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 6 | expense ratio p90 |  |
| 2017-06 | 7 | losing money |  |
| 2017-09 | 6 |  | losing money |
| 2017-12 | 6 | loans exceed deposits | uninsured deposits leaving |
| 2018-03 | 5 |  | brokered >10% |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 | capital falling | deposits shrinking, assets shrinking |
| 2019-03 | 3 | charge-offs p90 | wholesale funding >15%, loans exceed deposits |
| 2019-06 | 4 | losing money |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 | loans exceed deposits | charge-offs p90 |
| 2020-03 | 5 | wholesale funding >15% |  |
| 2020-06 | 2 |  | expense ratio p90, capital falling, loans exceed deposits |
| 2020-09 | 2 | charge-offs p90 | wholesale funding >15% |
| 2020-12 | 4 | uninsured deposits >50%, reserve under noncurrent |  |
| 2021-03 | 1 |  | losing money, charge-offs p90, reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 2 | charge-offs p90 | capital falling |
| 2022-06 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2022-09 | 2 |  | uninsured deposits >50%, wholesale funding >15% |
| 2022-12 | 1 |  | loans exceed deposits |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 4 | uninsured deposits >50%, run vulnerability |  |
| 2023-12 | 3 | loans exceed deposits | uninsured deposits >50%, run vulnerability |
| 2024-03 | 1 |  | capital falling, loans exceed deposits |
| 2024-06 | 1 |  |  |
| 2024-09 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2024-12 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% | charge-offs p90, uninsured deposits >50%, run vulnerability |
| 2025-03 | 2 |  | loans exceed deposits |
| 2025-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2025-09 | 1 | uninsured deposits leaving |  |
| 2025-12 | 2 | loans exceed deposits, capital falling | uninsured deposits leaving |
| 2026-03 | 2 | brokered >10% | loans exceed deposits |
| 2026-06 | 3 | wholesale funding >15% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-23 [OptimumBank Ranked #49 by S&P Global Market Intelligence Among Top U.S. Community Banks - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxOMDhhMnFCUUV6cHh6TXFMWlI1U0VDYm9lVi1YWGQwWGRteWNBUjZQaTJyUnY2Y1pHdFdSdkdsZy1QX0hDMzdIU3l1OGkwQlExdU1MWnZPT2h1RDk3T3owZ3hzMXlNczRMM01OZG5ENkhHWGJKeWJRTHRPMjN4UnJtZnZTRC1DdXZmUjh2WHVMZ1paV3JwQURXRm01SQ?oc=5) · Yahoo Finance
- 2026-07-15 [OptimumBank's Gubin on helping the bank through a recession - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxPV3BQTFF0WDRUM1o2M1JQYVFUX2FyTXVBcmFqbWRqTVFzSzZkdDZaTHNsMDRhYnUtN2c2NWpWTXFWY2VDc2VGdVNYNkg5dDVIY0hWZnAzLTBGbVBaaExmdEVDMW42Y3dYVUY5cGFGTE9odGxIdGZnd21LdDFUQUFZU1VYUl9lLWVpb0V1Mnc0bzczYUVnYXczUS1Db1JMWkNkRTdwLXQyS2E1VURDRXFuYw?oc=5) · The Business Journals
- 2026-05-19 [OptimumBank Holdings, Inc. Named Among Nation's Top Community Banks in Raymond James Community Bankers Cup - TMX Newsfile](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNUl9lYjB0RjJ2b1NXMzRXakhiSzE2Mmd2OVgzOVRTTGE1SXZ6azFhV092M29hVTczclhUS1VVdk1VVmFXZlhXcHZ5V0tZNThUblF6emtLTVlWNUdjVHp3UUJNSFlWaUM0YjVKU2NCQkQzV1ZoS3d2czJBY1hVNHpCMXRfajRGZi1VTUlaaE03MEtxdDZYbkl5MWFPajRGZllGTXRMT2o5QXVwbC1MMFMxdzRDSmw1MVRVZkhxalEwNHZ2M2RrcmdSa19vX09OUkFZdE0yX0NqNzJIdUxFdEdPX3Vn?oc=5) · TMX Newsfile
- 2026-04-06 [OptimumBank Holdings, Inc. To Hold Annual Shareholder Meeting and Investor Day, Tuesday, April 28, 2026 at its Headquarters in Ft. Lauderdale, Florida - TMX Newsfile](https://news.google.com/rss/articles/CBMimAJBVV95cUxPQUtFNVNGZ0NCdzhnZWdQSHhQQnV0TnplRmF2UWRNd3Z4dDZYTDhlQ1hsaWc0NXBXSmxFXzFrTm9IQ00xeW1IRkZ1bGR5YzF3VDVIMHBVRlQ3T1Z2TzNpSzVYOGl4QmI3VVBCLUlRbFBaSzQ5NTYxWEJCTXNEM3N4YUZXcGpSNWJGd3VMYXVQaFBjRHI3N0g2Z0RpQUt5cWptMVFWVllvUS0wZXRRTWdRQVFUTnlfNmRqQVZMQ1kxNk5nYjZ2ZXhJMDMyS0Zza1YyQmozd045dWdXXy15amVySWh2dXllSVQ0a1RmenE0LVYwaE5HU0I1dUlRT3F5RnhJSHR6aHhtSGVWM29WUFdmTlJLYzdVQ0RM?oc=5) · TMX Newsfile
- 2025-01-21 [OptimumBank Review: Community Bank, Competitive Offers - The College Investor](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE54cjdIUW5ZMlNQQXc0eHc3d2hDdGFUMkxvVjh6Qi1OZUs5eTM4UURUMl93QTh5TG5ESklOeHFZNDFxX093RnotVWVLVi0yZE01SkVlN1dYdndIS3p1OEF6aV9XQXB6UFk?oc=5) · The College Investor
- 2025-10-24 [OptimumBank to Ring the Opening Bell at the New York Stock Exchange in Celebration of 25 Years of Growth and Community Banking - TMX Newsfile](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQV0JFYlV4a1RpVlR1U0h4R29ELVFjTWM0TFNmYlg4N2VvMmxIVThNMkYzZ2F0NmtaZ2I1RldXbFNQTU05aGs0YVR4Uk5mR3dSNEI2UE8ybjlVV1FrT0Q0TVpWVmZvOTZqMWo4QnA4a3BPY3lody01Rkl4UVcyajFLZlp1Mjk2NUxFX2VQcndEWVhLQjB1VGd3dl9ocXIyaWpnX1dibXZkc216R3lmLVd3SmRNWXYyLURtTmVyWmViSjlWVlhOUHRIeW5KckNXMjhWZDFkX05Id3BSbldEY0dRR1ctekxsUUR2Zjl0X1VuT2k3Y0FRMThOOXpXUlQ3RzQ?oc=5) · TMX Newsfile
- 2017-11-13 [OptimumBank appoints former FirstCity Bank of Commerce executive as CFO - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQY2o2bGtHcExzeWo4Rmx0amFxbjNWR2FhUU9lUUR1TlNaenA0bW5HT2hiMUxZQlNhUTBBeGd4ei1YRHNnZndSWEZLMERfQ2NGWS0wakJOdXBITjlfcHI1S0ltdjd3OU9YYmwtZ2JOZWFnVzU2ZmFNM0NNaTFObE1tVEZQOWRiU01tZGtyVHRXcjcyb0Q5N2JMTzYzOENDRWpvTlhKSHh6aW5WQ1U?oc=5) · The Business Journals
- 2024-11-08 [OptimumBank Holdings Inc. - TMX Newsfile](https://news.google.com/rss/articles/CBMid0FVX3lxTE1tRVJwbXRoOWE5X2hYSDdzem5UbFg4TWJ1cUpOR1Q2eU1sRTFHczFlZUZudDg2Sjk4T3ZfUXgtS2hnbWNfZURIMXVRd2U4OGlrNlloemdEbThSRkVjc3FaVXpTUkNEeFljdFNBOS1fRFRreVBfMnln?oc=5) · TMX Newsfile

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35430 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "35430", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide