OptimumBank Q4 net earnings $4.85M ($0.21 diluted EPS); FY2025 net $16.64M ($0.71 diluted EPS)

OptimumBank Holdings, Inc.

2025-FY EPS reported $0.71

Q4 net earnings $4.85M ($0.21 diluted EPS), up from $3.95M ($0.18) in Q4 2024 and $4.32M ($0.18) in Q3 2025.
Full-year 2025 net earnings $16.64M ($1.42 basic, $0.71 diluted), up from $13.12M ($1.39 basic, $0.63 diluted) in 2024.
Gross loans $958.79M (+$145.07M or 17.83% QoQ); deposits $931.75M (-$27.74M QoQ, +20.66% YoY).
Net interest margin 4.39% (up 2 bps QoQ, up 60 bps YoY); credit loss expense decreased to $0.40M from $0.76M Q3.
Nonaccrual loans fell to $2.90M from $7.58M end of 2024; Tier 1 leverage ratio 11.39%.

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