OptimumBank Holdings (NYSE American: OPHC) announced first-quarter 2025 results, posting net income of $3.9 million, or $0.33 per basic share, marking a 63% increase over the prior year. The growth was fueled by higher net interest income and a reversal of credit losses. Net interest income rose 21.7% to $9.43 million, and the net interest margin improved to 4.06%, up from 3.70% a year ago. Total loans reached $800.2 million, and deposits grew to $852.93 million, reflecting steady customer growth and funding strength. The Bank's Tier 1 capital ratio rose to 11.71%. Post-quarter, OptimumBank resolved a major non-performing loan, recovering the full $5.6 million carrying value and cutting non-performing assets by roughly 75%.

To view the full press release, visit https://ibn.fm/h2wSE

About OptimumBank Holdings, Inc.

OptimumBankâ?¯was founded in 2000 in Ft. Lauderdale, Florida. The bank focuses on traditional in-person banking with businesses and consumers residing in South Florida. Our customers have found a trusted alternative to the high fees of larger financial institutions, with unmatched expertise in real estate and commercial lending. OptimumBank has seen explosive growth over the past decade, and we look to capitalize on our momentum in the years ahead. The Company is traded on the NYSE American under ticker "OPHC".

For more information, visit the company's website at: https://optimumbank.com/

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