OptimumBank (OPHC) Q2 EPS Jumps 93%
OptimumBank (NYSEMKT:OPHC), a community bank focused on the South Florida market, reported its Q2 2025 earnings on August 6, 2025. The most notable news in this release was a significant outperformance on diluted EPS, which reached $0.29 (GAAP), beating the $0.15 GAAP consensus estimate by 93.3%. Net earnings (GAAP) improved to $3.60 million from $3.50 million in Q2 2024. Net interest income (GAAP) continued to expand, and Deposit growth remained strong, with total deposits increasing by $25.93 million to $878.87 million, representing an annualized growth rate of approximately 12.2%. However, the period also saw higher noninterest expenses and a rise in the allowance for credit losses. Overall, the quarter reflected steady core operations and resilience in margin management, but underscored ongoing risks linked to real estate concentration and cost escalation.
Source: Analyst estimates for the quarter provided by FactSet.
OptimumBank operates as a community-focused financial institution, primarily based in South Florida. It offers a range of traditional banking services to businesses and consumers, with a specialty in real estate secured lending. The bank’s business model relies heavily on attracting core deposits and originating various types of loans, especially commercial and consumer real estate loans.
Source Fool.com
