OptimumBank
Fort Lauderdale, FL · State Bank, Not a Federal Reserve Member · Part of OPTIMUMBANK HOLDINGS INC
Summary
- Total assets: $1.4 billion
- Total deposits: $1.2 billion
- Total loans: $1.2 billion
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 3.8% |
| Multifamily | 4.4% |
| Owner-occupied commercial real estate | 24.1% |
| Non-owner-occupied commercial real estate | 49.5% |
| Residential | 13.3% |
| Commercial & industrial | 4.3% |
| Consumer & other | 0.5% |
Health indicators
- Tier 1 leverage ratio: 10.54%
- Total risk-based capital ratio: 0.00%
- Noncurrent loans: 0.18%
- Net charge-offs: 0.00%
- Return on assets: 1.95%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Broward, FL | 3 | $1.2 billion |
| Miami-Dade, FL | 1 | $37 million |