OptimumBank Q2 2026 net income $6.7M, up 85% YoY; diluted EPS $0.28

OptimumBank Holdings, Inc.

Net income $6.7M ($0.40 basic, $0.28 diluted) vs $3.6M ($0.31 basic, $0.15 diluted) in Q2 2025.
Gross loans grew $126.2M to $1.22B; deposits up $121.2M to $1.21B from prior quarter.
Net interest margin expanded to 4.57% from 4.32% YoY; ROAA 2.04%, ROAE 20.34%.
Leadership transition completed: Moishe Gubin became CEO effective May 1, 2026; Braden Smith joined as President.
Credit loss reversal of $0.4M; nonaccrual loans $2.1M, down from $3.2M YoY.

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