OptimumBank Q2 net income $3.6M, EPS $0.29; NIM expands to 4.32%, deposits up $25.9M

OptimumBank Holdings, Inc.

2025-Q2 EPS reported $0.61

Net earnings $3.60M ($0.31 basic, $0.29 diluted EPS) vs $3.87M in Q1 and $3.50M in Q2 2024.
Net interest margin improved to 4.32% from 4.06% in Q1 and 3.79% in Q2 2024; cost of interest-bearing liabilities fell to 3.49%.
Total deposits grew $25.93M to $878.87M; noninterest-bearing demand deposits increased to $259.82M from $235.78M.
Nonaccrual loans dropped sharply to $3.22M from $7.51M at March 31, 2025; loans decreased $15.68M due to payoffs.
Tier 1 capital ratio 11.89%; tangible book value per share $9.48, up from $9.19.

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