What are OptimumBank Holdings's total assets?

OptimumBank Holdings (OPHC) holds $1.3B in total assets, up 29.8% year over year.

How much debt does OptimumBank Holdings have?

OptimumBank Holdings carries $2.6M in total debt against $126.8M of shareholders' equity, a debt-to-equity ratio of 0.02.

How much cash does OptimumBank Holdings have?

OptimumBank Holdings holds $140.0M in cash and equivalents.

Where does OptimumBank Holdings's balance sheet data come from?

Every line is extracted from OptimumBank Holdings's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

OptimumBank Holdings OPHC Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Cash and cash equivalents	$140.02M-2.4%	$114.56M+22.4%	$235.09M+78.6%	$181.75M+74.7%	$143.46M-5.1%
Accounts receivable, net	$1.09B+36.3%	$958.79M+19.2%	$813.72M+4.6%	$784.56M—	$800.24M—
Trading assets	——	——	——	——	——
Property and equipment, net	$2.8M+24.4%	$2.49M+20.8%	$2.31M+19.1%	$2.43M+29.2%	$2.25M+42.4%
Accumulated depreciation	——	——	——	——	——
Operating lease right-of-use assets	$2.51M-5.1%	$2.62M+5,340,816,227%	$2.73M+39.7%	$2.55M+26.3%	$2.65M+26.6%
Deferred tax assets	$3.12M+12.2%	$3.11M+8,533%	$3.24M+16.1%	$3.14M+3.7%	$2.78M-10.7%
Other non-current assets	$7.83M+6.2%	$9.01M+24.4%	$9.87M+29.8%	$8.28M+12.5%	$7.38M+5.2%
Available-for-sale securities	$22.46M-2.5%	$25.18M+10.6%	$22.93M-6.4%	$22.38M-4.9%	$23.04M-1.8%
Held-to-maturity securities	$212K-21.2%	$214K-23.8%	$246K-18.0%	$260K-17.5%	$269K-19.9%
Total investments	$2.68M+137%	$3.03M+3.4%	$658K-73.2%	$658K-75.5%	$1.13M-54.0%
Gross loans	$1.08B+36.3%	$947.29M+19.2%	$802.81M+4.4%	$774.55M+3.0%	$791.23M+6.0%
Investment properties, at cost	——	——	——	——	——
Total assets	$1.27B+29.8%	$1.11B+19.2%	$1.08B+14.6%	$999.13M+11.0%	$977.47M+3.9%
Operating lease liabilities, current	$2.65M-3.6%	$2.75M-1.0%	$2.85M+38.4%	$2.66M+25.4%	$2.75M+25.7%
Accrued interest	$3.99M+21.5%	$3.62M+8.2%	$3.17M+0.8%	$3.14M+4.8%	$3.29M+9.9%
Deposits	$1.09B+28.1%	$931.75M+20.7%	$959.49M+19.0%	$878.87M+15.2%	$852.93M+6.8%
Noninterest-bearing deposits	$304.89M+29.3%	$266.52M+25.8%	$313.97M+55.1%	$259.82M+12.5%	$235.78M+8.2%
Time deposits	$442.5M+35.2%	$358.31M+379%	$336.43M+17.7%	$318.14M+37.5%	$327.39M+25.0%
Deferred tax liabilities	——	——	——	——	——
Operating Lease Liabilities (Total)	$2.65M-3.6%	$2.75M-1.0%	$2.85M+38.4%	$2.66M+25.4%	$2.75M+25.7%
Other non-current liabilities	$6.36M+68.0%	$5.29M+10.6%	$3.82M-2.9%	$6.25M+106%	$3.79M+4.0%
Total liabilities	$1.14B+31.3%	$989.78M+19.3%	$966.16M+13.3%	$887.78M+9.2%	$869.47M+1.4%
Preferred stock	$0.00—	$0.00—	$0.00—	$0.00—	$0.00—
Common stock	30M0.0%	30M0.0%	30M0.0%	30M0.0%	30M0.0%
Additional paid-in capital	$112.99M+0.9%	$112.58M+1.0%	$112.57M+8.4%	$112.01M+9.4%	$112.02M+9.6%
Retained earnings	$18.46M+1,705%	$13.8M+585%	$8.95M+232%	$4.63M+146%	$1.02M+108%
Accumulated other comprehensive income (loss)	-$4.73M+8.2%	-$4.6M+17.5%	-$4.75M-6.0%	-$5.41M+0.8%	-$5.15M+9.5%
Total stockholders' equity	$126.85M+17.4%	$121.9M+18.1%	$116.89M+26.1%	$111.35M+28.0%	$108M+30.1%
Total liabilities and stockholders' equity	$1.27B+29.8%	$1.11B+19.2%	$1.08B+14.6%	$999.13M+11.0%	$977.47M+3.9%
Available-for-Sale Debt Securities - Amortized Cost	$33.37M+11.4%	$31.33M+3.6%	$29.28M-4.0%	$29.63M-3.9%	$29.96M-4.0%
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)	$6.21M-10.2%	$6.15M-17.8%	$6.35M+5.7%	$7.25M-0.8%	$6.91M-9.1%
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)	——	——	——	——	——
Allowance for Credit Losses - Receivable (Current)	$11.06M+33.7%	$10.27M+18.6%	$10.02M+20.2%	$9.34M+13.8%	$8.27M-0.1%
Cash, Cash Equivalents, and Federal Funds Sold	$140.02M-2.4%	$114.56M+22.4%	$235.09M+78.6%	$181.75M+74.7%	$143.46M-5.1%
Total Cash, Cash Equivalents, and Restricted Cash (Inclusive)	$140.02M-2.4%	$114.56M+22.4%	$235.09M+78.6%	$181.75M+74.7%	$143.46M-5.1%
Equipment Installment Plan Receivables, Gross	$1.09B+36.3%	$958.79M+19.2%	$813.72M+4.6%	$784.56M—	$800.24M—
Interest-bearing deposits in banks and other financial institutions	$124.94M-3.8%	$105.21M+32.1%	$225.82M+94.3%	$172.92M+87.7%	$129.91M-5.2%
Financing Receivables	$1.08B+36.3%	$947.29M+19.2%	$802.81M+4.4%	$774.55M—	$791.23M—
Loans and Lending Commitments	$1.08B+36.3%	$947.29M+19.2%	$802.81M+4.4%	$774.55M+3.0%	$791.23M+6.0%
Loans 90+ Days Past Due	$2.16M-71.2%	$2.9M-61.8%	$2.98M+36.3%	$3.22M—	$7.51M—
Purchased Credit Deteriorated Loans	$1.08B+36.3%	$947.29M+19.2%	$802.81M+4.4%	$774.55M—	$791.23M—
Deferred Tax Assets and Other Non-Current Assets	——	——	——	——	——
Deferred Tax Assets - Tax Credit Carryforwards	——	——	——	——	——
Held-to-Maturity Debt Securities - Fair Value	$188K—	$190K—	$221K—	$232K—	——
Investments - Amortized Cost Basis	$33.37M+11.4%	$31.33M+3.6%	$29.28M-4.0%	$29.63M-3.9%	$29.96M-4.0%
Net Investment in Lease	$2.51M-5.1%	$2.62M-2.3%	$2.73M+39.7%	$2.55M+26.3%	$2.65M+26.6%
Net Operating Loss Carryforwards	——	——	——	——	——
Cash and Due from Banks	$15.07M+11.3%	$9.35M-33.1%	$9.27M-39.6%	$8.83M-25.9%	$13.54M-3.5%
Deferred tax assets	$3.12M+12.2%	$3.11M+3.6%	$3.24M+16.1%	$3.14M+3.7%	$2.78M-10.7%
Interest-Bearing Deposits in Banks and Other Financial Institutions	$124.94M-3.8%	$105.21M+32.1%	$225.82M+94.3%	$172.92M+87.7%	$129.91M-5.2%
Operating lease right-of-use assets	$2.51M-5.1%	$2.62M-2.3%	$2.73M+39.7%	$2.55M+26.3%	$2.65M+26.6%
Other Assets	$7.83M+6.2%	$9.01M+24.4%	$9.87M+29.8%	$8.28M+12.5%	$7.38M+5.2%
Other Real Estate Owned	——	——	——	——	——
Property, plant and equipment at cost	——	——	——	——	——
Real Estate Investment Property, Net	——	——	——	——	——
Operating Lease Right-of-Use Assets in Other Assets	$2.51M-5.1%	$2.62M-2.3%	$2.73M+39.7%	$2.55M+26.3%	$2.65M+26.6%
Time Deposit Maturities - Year One	——	——	——	——	——
Time Deposit Maturities - Year Two	——	——	——	——	——
Time Deposit Maturities - Year Three	——	——	——	——	——
Time Deposits Above FDIC Insurance Limit	——	——	——	——	——
Revolving credit facility	——	——	——	——	——
Lease Liability Payments - Remainder of Fiscal Year	——	——	——	——	——
Line of Credit Outstanding	——	——	——	——	——
Debt Maturity - 2024	——	——	——	——	——
Debt Maturity - 2027	——	——	——	——	——
Federal Home Loan Bank Borrowings	——	——	——	——	——
NOW and money market deposit accounts	$345.49M+19.2%	$306.92M+10.3%	$309.09M-2.9%	$300.91M+0.2%	$289.77M-9.0%
Total debt	$2.65M-3.6%	$2.75M-1.0%	$2.85M+38.4%	$2.66M+25.4%	$2.75M+25.7%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss	$6.21M-10.2%	$6.15M-17.8%	$6.35M+5.7%	$7.25M-0.8%	$6.91M-9.1%
Common Stock Par Value Per Share	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%
Common Stock Shares Issued	12.2M+3.5%	11.5M-0.9%	11.9M+18.8%	11.8M+21.4%	11.8M+22.0%
Convertible Preferred Stock Authorized Shares	6M0.0%	6M0.0%	6M0.0%	6M0.0%	6M0.0%
Cumulative Gross Losses and Impairments	$24K—	$24K—	$25K—	$28K—	——
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$122K+3.4%	$115K-0.9%	$119K+20.2%	$118K+22.9%	$118K+22.9%
Nonperforming Loans and Leases Percentage	$1.09B+36.3%	$958.79M+19.2%	$813.72M+4.6%	$784.56M—	$800.24M—
Components	42—	42—	40—	——	——
Cumulative Cost Basis	$33.37M+11.4%	$31.33M+3.6%	$29.28M-4.0%	$29.63M-3.9%	$29.96M-4.0%
Amortized Cost Basis Of Non Accruing	——	——	——	——	——
Amortized Cost Basis Of Non Accruing Other	——	——	——	——	——
Amortized Cost Basis Of Non Accruing Real Estate	——	——	——	——	——
Total	$33.37M+11.4%	$31.33M+3.6%	$29.28M-4.0%	$29.63M-3.9%	$29.96M-4.0%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$22.46M-2.5%	$25.18M+10.6%	$22.93M-6.4%	$22.38M-4.9%	$23.04M-1.8%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	——	——	——	——	——
Available for sale investments	$27.04M+17.4%	$25.18M+10.6%	$22.93M-6.4%	$22.38M-4.9%	$23.04M-2.3%
Capital Required To Be Well Capitalized To Risk Weighted Asset	——	——	——	——	——
Cash and cash equivalents, end of period	$140.02M-2.4%	$114.56M+22.4%	$235.09M+78.6%	$181.75M+74.7%	$143.46M-5.1%
Common stock, par value (in dollars per share)	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%
Common stock, shares authorized (in shares)	$30M0.0%	$30M0.0%	$30M0.0%	$30M0.0%	$30M0.0%
Common stock, shares issued (in shares)	$12.17M+3.5%	$11.53M-0.9%	$11.88M+18.8%	$11.75M+21.4%	$11.75M+22.0%
Common Stock, Shares, Outstanding	$12.17M+3.5%	$11.53M-0.9%	$11.88M+18.8%	$11.75M+21.4%	$11.75M+22.0%
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$6.21M-10.2%	$6.15M-17.8%	$6.35M+5.7%	$7.25M-0.8%	$6.91M-9.1%
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	——	——	——	——	——
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions	$42—	$42—	$40—	——	——
Deferred Tax Liabilities, Gross	——	——	——	——	——
Deferred Tax Assets Accrued Expense	——	——	——	——	——
Deferred Tax Assets Deferred Gain On Sale Leaseback Transaction	——	——	——	——	——
Deferred Tax Assets, Net	——	——	——	——	——
Deferred Tax Assets, Net of Valuation Allowance	——	——	——	——	——
Deferred Tax Assets, Operating Loss Carryforwards	——	——	——	——	——
Allowance for unfunded lending related commitments	——	——	——	——	——
Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross	——	——	——	——	——
Deferred Tax Liabilities, Deferred Expense, Debt Issuance Costs	——	——	——	——	——
Deferred Tax Liabilities Deferred Expense Right Of Use Lease Assets	——	——	——	——	——
Deferred Tax Liabilities, Property, Plant and Equipment	——	——	——	——	——
Advances from FHLB	——	——	——	——	$10M-75.0%
Federal Home Loan Bank stock, at cost	$2.68M+137%	$3.03M+3.4%	$658K-73.2%	$658K-75.5%	$1.13M-54.0%
Federal Home Loan Bank Stock Cost	——	——	——	——	——
Financing Receivable Recorded Investment Nonaccrual Status With Allowance For Credit Losses	——	——	——	——	——
Financing Receivable Recorded Investment Nonaccrual Status Without Allowance For Credit Losses	——	——	——	——	——
Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss	$24K—	$24K—	$25K—	$28K—	——
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date	$212K—	$214K—	$246K—	$260K—	——
Debt Securities, Held-to-Maturity, Maturity, Allocated and Single Maturity Date, Fair Value	$188K-22.0%	$190K-23.1%	$221K-19.6%	$232K-17.1%	$241K-18.9%
Loans And Lease Receivable Deferred Income	$1.3M+75.2%	$1.23M+106%	$892K+10.5%	$678K—	$742K—
Operating Loss Carryforwards	——	——	——	——	——
Preferred Stock, Shares Authorized	$6M0.0%	$6M0.0%	$6M0.0%	$6M0.0%	$6M0.0%
Tier One Leverage Capital To Average Asset	——	——	——	——	——
2027	——	——	——	——	——
Time Deposit Maturities, Year Three	——	——	——	——	——
Time Deposit Maturities, Year Two	——	——	——	——	——
Time Deposits	$442.5M+35.2%	$358.31M+27.1%	$336.43M+17.7%	$318.14M+37.5%	$327.39M+25.0%
Time Deposits, at or Above FDIC Insurance Limit	——	——	——	——	——
Well-Capitalized Regulatory Requirement	$109.31M+26.6%	$99.13M+12.2%	$93.01M+10.9%	$88.01M+2.7%	$86.33M+10.8%

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Questions, answered.

What are OptimumBank Holdings's total assets?: OptimumBank Holdings (OPHC) holds $1.3B in total assets, up 29.8% year over year.
How much debt does OptimumBank Holdings have?: OptimumBank Holdings carries $2.6M in total debt against $126.8M of shareholders' equity, a debt-to-equity ratio of 0.02.
How much cash does OptimumBank Holdings have?: OptimumBank Holdings holds $140.0M in cash and equivalents.
Where does OptimumBank Holdings's balance sheet data come from?: Every line is extracted from OptimumBank Holdings's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.