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OptimumBank Holdings OPHC Noninterest-bearing deposits

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Other financials

Income statement

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Revenue$15.0M+40.5%
Net income$4.7M+20.5%
EPS (diluted)$0.20+17.6%

Balance sheet

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Cash & equivalents$140.0M-2.4%
Total debt$2.6M-3.6%
Total equity$126.8M+17.4%
Total assets$1.3B+29.8%

Cash flow

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Operating cash flow$7.9M+151%
CapEx$439.0K+55.1%
Free cash flow$7.4M+161%

Valuation

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Market cap$71.65M+34.4%
Enterprise value-$65.72M-47.1%
P/E4.1×+0.5×
P/S1.3×+0.1×

Profitability

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Net margin32.5%-3.2pp
FCF margin40.1%+3.0pp

Returns & leverage

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Return on equity14.9%-0.5pp
Debt / equity0×0.0×

Where this comes from

Reported directly by OptimumBank Holdings in its filing.

Tagged under the XBRL concept us-gaap:NoninterestBearingDepositLiabilities.

The official record: OptimumBank Holdings’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OptimumBank Holdings's noninterest-bearing deposits?
OptimumBank Holdings (OPHC) reported noninterest-bearing deposits of $304.89M in Q1 2026.
How has OptimumBank Holdings's noninterest-bearing deposits changed year-over-year?
OptimumBank Holdings's noninterest-bearing deposits increased by 29.3% year-over-year, from $235.78M to $304.89M.
What is the long-term trend for OptimumBank Holdings's noninterest-bearing deposits?
Over 5 years (2020 to 2025), OptimumBank Holdings's noninterest-bearing deposits has grown at a 35.5% compound annual growth rate (CAGR), from $58.31M to $266.52M.
What does noninterest-bearing deposits mean?
These are customer deposit accounts, typically checking accounts, that do not accrue interest for the depositor. They represent a low-cost source of funding for the bank, directly contributing to the net interest margin.