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Optimumbank
Fort Lauderdale, FL · FDIC Certificate #35430 · Chartered 11/0
Total assets
$1.39B
Total deposits
$1.22B
Total equity
$132.82M
Net loans
$1.19B
Branches (offices)
4
Net income (YTD)
$12.21M
Rank: #796 of 4,213 U.S. banks by assets · #26 of 81 in Florida. Assets changed 38.8% and deposits 38.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.95% |
| Return on equity | 19.31% |
| Net interest margin (YTD) | 4.52% |
| Equity to assets | 9.58% |
| Tier 1 leverage ratio | 10.54% |
| Uninsured deposits (share of deposits) | 28.7% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 97.9% |
| Real estate loans (share of loans) | 96.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.15B | 96.4% | |
| Commercial & industrial | $51.77M | 4.3% | |
| Consumer / individual | $1.68M | 0.1% | |
| Construction & development | $46.06M | 3.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $464.65M | $343.54M | $2.09M | $45.62M |
| Jun 2023 | $631.63M | $553.56M | $2.99M | $63.52M |
| Jun 2024 | $899.47M | $763.42M | $6.65M | $86.59M |
| Jun 2025 | $998.91M | $879.97M | $8.21M | $110.83M |
| Jun 2026 | $1.39B | $1.22B | $12.21M | $132.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $1.22B | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.22B.
Similar-sized banks
Dakota Community Bank & Trust, National Association ($1.39B) · Wallis Bank ($1.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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