OptimumBank Holdings, Inc. (NYSE American: OPHC) reported record net income of $6.7 million for the second quarter of 2026, marking a significant increase from both the preceding quarter and the same period in 2025. The Fort Lauderdale-based bank attributed the strong performance to growth in net interest income, improved margins, and substantial increases in both loans and deposits.

For the quarter ended June 30, 2026, net income was $6.7 million, or 40 cents per basic share and 28 cents per diluted share. By comparison, first-quarter 2026 net income was $4.7 million, or 39 cents per basic share and 20 cents per diluted share, while second-quarter 2025 net income stood at $3.6 million, or 31 cents per basic share and 15 cents per diluted share. Net interest income for the quarter rose to $14.7 million, and net interest margin expanded to 4.57%, reflecting the bank's ability to generate higher income from its interest-earning assets.

For banks, net interest margin is a central measure of core lending profitability because it compares the income earned on loans and other interest-earning assets with the cost of funding those assets, including deposits. The margin expansion therefore provides important context for OptimumBank's earnings growth alongside the increase in loan volume.

For the first six months of 2026, net income totaled $11.3 million, up sharply from $7.5 million in the comparable period of 2025.

The bank's balance sheet demonstrated notable growth during the quarter. Gross loans increased by $126.2 million to reach $1.2 billion, while total deposits grew by $121.2 million to $1.2 billion. Total assets reached $1.4 billion as of June 30, 2026. Deposit growth is particularly relevant for community banks because deposits are a primary source of funding for loan growth and can influence funding costs over time.

Key profitability metrics improved alongside the balance-sheet expansion. Return on average assets rose to an annualized 2.04%, and return on average equity climbed to 20.34%, indicating efficient use of the bank's capital and assets.

The results reflect OptimumBank's strategy of expanding its loan and deposit base while maintaining profitability in a competitive banking environment as the institution continues to grow its presence in Florida. For readers following the company, the next earnings discussion may provide additional detail on the composition of loan growth, deposit trends, and credit performance, which are common factors used to assess bank operating results.

OptimumBank, founded in 2000 and headquartered in Fort Lauderdale, Florida, is a full-service community bank offering business banking, business lending, SBA lending solutions, treasury management, and personal banking services. The bank focuses on delivering personalized service and supporting economic development through responsible banking practices.

The company will host a webcast to discuss its second-quarter results on August 13, 2026, at 1 p.m. ET. The full press release is available at Additional information about OptimumBank Holdings can be found at the company's newsroom: