What does tier one leverage capital to average asset mean?

This ratio measures the bank's core capital relative to its total average assets, serving as a primary regulatory metric for financial strength. It indicates the bank's ability to absorb losses without relying on risk-weighted asset adjustments. A higher ratio signifies a stronger capital cushion and greater regulatory compliance.

OptimumBank Holdings OPHC Tier One Leverage Capital To Average Asset

Tier One Leverage Capital To Average Asset at other companies

Tompkins FinancialTMP

$0.050.0%

Pathfinder BancorpPBHC

5%0.0pp

Norwood FinancialNWFL

$0.050.0%

Amalgamated Financial Corp.AMAL

$0.050.0%

ESQ

Esquire Financial Holdings, Inc.ESQ

5%0.0pp

1st Source CorporationSRCE

$0.050.0%

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:TierOneLeverageCapitalToAverageAsset.

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 tier one leverage capital to average asset?: OptimumBank Holdings (OPHC) reported tier one leverage capital to average asset of 10.7% in Q1 2026.
What does tier one leverage capital to average asset mean?: This ratio measures the bank's core capital relative to its total average assets, serving as a primary regulatory metric for financial strength. It indicates the bank's ability to absorb losses without relying on risk-weighted asset adjustments. A higher ratio signifies a stronger capital cushion and greater regulatory compliance.