OptimumBank

BankFort Lauderdale, Florida
www.optimumbank.com

Total Assets

$1.1B

Total Deposits

$933.3M

Branches

4

Established

2000

TFS Health Grade

$
C-

71.3 / 100

Average financial health

How we grade

OptimumBank is a bank headquartered in Fort Lauderdale, Florida, established in 2000. With $1.1B in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (71.3/100).

Capital & Safety

Tier 1 Capital Ratio
11.39%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.30%

Profitability

Return on Assets (ROA)
1.75%(1%)
Return on Equity (ROE)
16.09%(10%)
Net Interest Margin
4.29%
Efficiency Ratio
47.48%(60%)

Lending & Liquidity

Total Loans
$957.6M
Loan-to-Deposit Ratio
101.50%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
+19.16%
Deposit Growth (YoY)
+20.52%
Net Income
$17.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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