What is OptimumBank Holdings's other real estate owned?

OptimumBank Holdings (OPHC) reported other real estate owned of $551K in Q4 2025.

What does other real estate owned mean?

This represents the value of real estate properties acquired by the bank through foreclosure or deed-in-lieu of foreclosure on defaulted loans. High levels of this asset indicate potential challenges in the loan portfolio and the need for effective asset liquidation strategies.

OptimumBank Holdings OPHC Other Real Estate Owned

Other Real Estate Owned at other companies

Blue Ridge BanksharesBRBS

$1.56M—

Equity BancsharesEQBK

$5.17M+8.2%

Chemung FinancialCHMG

$8K-27.3%

Bankwell Financial GroupBWFG

$0+100%

Third Coast Bancshares, Inc.TCBX

$0-100%

Investar HoldingISTR

$760K-20.1%

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+37.0%

Enterprise value-$65.72M-48.2%

P/E4.1×+0.6×

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 OPHC:OtherRealEstateOwned.

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 other real estate owned?: OptimumBank Holdings (OPHC) reported other real estate owned of $551K in Q4 2025.
What does other real estate owned mean?: This represents the value of real estate properties acquired by the bank through foreclosure or deed-in-lieu of foreclosure on defaulted loans. High levels of this asset indicate potential challenges in the loan portfolio and the need for effective asset liquidation strategies.