OptimumBank Q3 2025 net earnings $4.32M, up 20% QoQ; deposits grow 9%

OptimumBank Holdings, Inc.

2025-Q3 EPS reported $0.50

Q3 net earnings $4.32M ($0.18 diluted EPS) vs $3.60M in Q2 2025 and $3.30M in Q3 2024.
Net interest margin expanded to 4.37% from 4.32% QoQ; net interest income $11.05M.
Total deposits rose $80.62M to $959.49M (9.17% sequential growth); core noninterest-bearing deposits up $54.16M.
Total assets crossed $1.08B, up $83.92M from June 30, 2025 (33.6% annualized).
Tangible book value per diluted share $4.97, up from $4.76 in Q2 2025 and $4.28 a year ago.

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