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OptimumBank Holdings OPHC Loans Transferred To Other Real Estate Owned Through Foreclosure

Loans Transferred To Other Real Estate Owned Through Foreclosure at other companies

Colony Bankcorp logo
Colony BankcorpCBAN
$1.51M+371%
Orrstown Financial Services logo
Orrstown Financial ServicesORRF
$1.06M—
Tompkins Financial logo
Tompkins FinancialTMP
$40K—
Popular logo
PopularBPOP
$10.43M+47.5%
CVB Financial logo
CVB FinancialCVBF
$43K-91.3%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$1.69M-34.1%

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+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:LoansTransferredToOtherRealEstateOwnedThroughForeclosure.

The official record: OptimumBank Holdings’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OptimumBank Holdings's loans transferred to other real estate owned through foreclosure?
OptimumBank Holdings (OPHC) reported loans transferred to other real estate owned through foreclosure of $151.25K in Q4 2025.
What does loans transferred to other real estate owned through foreclosure mean?
Measures the book value of loans that have been foreclosed upon and converted into Other Real Estate Owned (OREO). This metric is a critical indicator of asset quality, reflecting the volume of non-performing loans that have transitioned into physical property assets.