What does amortized cost basis of non accruing real estate mean?

This represents the amortized cost of real estate-related loans that have been placed on nonaccrual status due to credit concerns. It isolates the specific exposure to non-performing real estate assets within the broader loan portfolio. Tracking this helps investors understand the bank's sensitivity to real estate market downturns and collateral quality.

OptimumBank Holdings OPHC Amortized Cost Basis Of Non Accruing Real Estate

Amortized Cost Basis Of Non Accruing Real Estate at other companies

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$55.42M—

Citizens Financial Services, Inc.CZFS

$6.07M+3,094%

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$41.14M+38.9%

Great Southern BancorpGSBC

$3.3M—

National Bank HoldingsNBHC

$49.15M+109%

Riverview BancorpRVSB

$0—

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 OPHC:AmortizedCostBasisOfNonAccruingRealEstate.

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 amortized cost basis of non accruing real estate?: OptimumBank Holdings (OPHC) reported amortized cost basis of non accruing real estate of $901K in Q4 2025.
What does amortized cost basis of non accruing real estate mean?: This represents the amortized cost of real estate-related loans that have been placed on nonaccrual status due to credit concerns. It isolates the specific exposure to non-performing real estate assets within the broader loan portfolio. Tracking this helps investors understand the bank's sensitivity to real estate market downturns and collateral quality.