OptimumBank
OptimumBank Holdings (NASDAQ: OPHC) is a South Florida community bank with $1.27 billion in total assets. It offers personal and business banking, SBA and commercial real estate loans, HOA services, and a new HUD/FHA lending platform for healthcare and multifamily real estate investors.
- Company typePublic
- Founded2000
- HeadquartersFort Lauderdale, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What OptimumBank does
OptimumBank Holdings, Inc. (NASDAQ: OPHC) is a community bank headquartered in Fort Lauderdale, Florida, founded in 2000 and operating three branches in South Florida (Fort Lauderdale, Deerfield Beach, and North Miami Beach). As of Q1 2026, the bank reported total assets of $1.27 billion, total deposits of $1.09 billion, and a gross loan portfolio of $1.09 billion. It serves individual retail consumers, small-to-medium businesses, homeowners associations, and, through its newer national platform, commercial real estate and healthcare facility investors. The bank has been recognized as the #49-ranked US community bank by S&P Global out of 3,465 institutions and as a Raymond James Community Bankers Cup winner, placing it in the top decile of US community banks by performance.
The product suite spans personal checking and savings, business banking (including IOLTA and not-for-profit accounts), commercial real estate loans, SBA loans up to $5 million, HOA banking, and cash management. Technology infrastructure is conventional retail/community bank: online and mobile banking with mobile deposit, ACH origination, wire transfers, Zelle, and ATM access through Publix Presto!, STAR, and CIRRUS networks. In February 2026, the bank formed OptimumFunding, LLC, a wholly-owned subsidiary that provides HUD/FHA bridge financing for healthcare facilities (skilled nursing operators) and multifamily commercial real estate, extending the lending footprint nationally.
Revenue is generated primarily through net interest income on the loan portfolio, supplemented by noninterest income from deposit fees, cash management, and banking services. FY2025 reported revenue was $49.36 million with net income of $16.65 million and EPS of $1.00; Q1 2026 net income of $4.7 million was up 20.5% year-over-year. Profitability metrics are top-quartile for community banks: 21.56% Core ROAE in FY2025 and a 4.49% Net Interest Margin in Q1 2026. The go-to-market model is sales-led, combining in-person relationship banking at the branches with enterprise field sales for commercial and specialty lending.
OptimumBank firmographics
Firmographics- Name
- OptimumBank
- Legal name
- OptimumBank Holdings, Inc.
- Website
- https://optimumbank.com
- Company type
- Public
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- OptimumBank Holdings (NASDAQ: OPHC) is a South Florida community bank with $1.27 billion in total assets. It offers personal and business banking, SBA and commercial real estate loans, HOA services, and a new HUD/FHA lending platform for healthcare and multifamily real estate investors.
- Ownership category
- akta.pro rank
OptimumBank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
- akta.pro secondary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where OptimumBank is headquartered
LocationHeadquarters
- HQ city
- Fort Lauderdale
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
OptimumBank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Interest income from loan portfolio including commercial real estate loans ($123.7 million commercial real estate growth in Q1 2026), SBA loans, and other lending activities. Interest expense paid on deposits. Core revenue driver with $49.36 million in revenue reported.
- Noninterest Income: Fee income from banking services including cash management fees, ATM network fees, wire transfer fees, and other banking service charges. Q1 2026 saw $0.6 million higher noninterest income year-over-year.
- HUD/FHA Lending Platform Revenue: Revenue from OptimumFunding subsidiary through bridge-to-HUD financing and government-insured loan origination for healthcare facilities and multifamily properties. Management expects this to become a significant revenue contributor within two to three years.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Simply Free Checking - Fee-free personal checking account |
| Other | Monthly | Direct Interest Checking - Interest-bearing checking with convenience |
| Other | Monthly | 50+ Interest Checking - Checking for customers 50 and over |
| Other | Monthly | Ultimate Interest Checking - Higher interest for larger balances |
| Other | Monthly | Simply Free Business Checking - Free business account |
| Other | Monthly | Commercial Checking - For complex banking needs |
| Other | Monthly | Business Interest Checking - Interest-bearing business account |
| Other | Monthly | Not For Profit Checking - For not-for-profit organizations |
| Other | Monthly | IOLTA - Attorney escrow accounts |
| Other | Monthly | Regular Savings - Basic savings account |
| Other | Multi-year contract | Certificates of Deposit and IRA - Fixed-term savings |
| Other | Multi-year contract | SBA Loans - Small Business Administration loans |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
OptimumBank product offering
Product offeringCore offering
OptimumBank is a Florida-based community bank offering traditional deposit products (checking, savings, money market, CDs) and loan products (residential mortgages, commercial real estate, and consumer loans) to individuals and small/mid-sized businesses in its local market. It operates as the banking subsidiary of Optimum Financial Holdings, Inc., a publicly traded bank holding company.
Product overview
OptimumBank is a community banking institution offering a comprehensive suite of personal and business banking products. The core offerings include checking accounts (Simply Free, Direct Interest, 50+ Interest, Ultimate Interest for personal; Simply Free Business, Commercial, Business Interest, Not For Profit, IOLTA for business), savings products (Regular Savings, CDs/IRAs, Optimum Money Market), and business lending (Commercial Real Estate Loans, SBA Loans up to $5M, Lines of Credit, Term Loans). Specialty services include HOA Banking Services and Cash Management. Digital banking capabilities include Online Banking, Mobile Banking with mobile deposit, Zelle enrollment, and ACH origination. The recently launched OptimumFunding subsidiary extends the company's HUD/FHA lending platform for healthcare and multifamily commercial real estate. The bank's distribution includes three Florida locations (Fort Lauderdale, Deerfield Beach, North Miami Beach) and ATM networks through Publix Presto!, STAR, and CIRRUS.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
Quantifiable outcome
- 21.56% Core Return on Average Equity (ROAE) for fiscal year 2025
- +5 more outcomes
Companies that use OptimumBank
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles2 records
OptimumBank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature2 records
OptimumBank partnerships and signals
Strategic signalScale indicators16 records
Recent moves6 records
Expansion highlights5 records
OptimumBank competitors and assessment
Company assessmentDirect peers
- CB Financial Services: Small public community bank with similar deposit-gathering and CRE lending profile; useful peer for benchmarking small-cap community bank ROAE and NIM.
- American River Bankshares: California-based public community bank of similar size offering traditional business and consumer banking products — a useful benchmark for branch-centric community banking economics.
- Lakeland Bancorp: NJ-based publicly traded community bank with a similar mix of business banking, CRE lending, and HOA-style commercial deposits; comparable profitability profile and traditional in-person distribution.
- Heritage Financial: Pacific Northwest public community bank of comparable size with traditional deposit and CRE lending franchise — relevant benchmark for small-cap community bank trading multiples.
- S&T Bancorp: Mid-Atlantic publicly traded community bank with comparable CRE and small business lending franchise, branch-led distribution, and a focus on commercial relationship banking.
- First Northwest Bancorp: Pacific Northwest public community bank with a closely comparable $1–2B asset base, community banking model, and commercial real estate lending concentration.
- National Western Financial: Public Florida-based community bank with a comparable sub-$2B asset base, traditional branch-plus-digital model, and similar focus on CRE and small business lending — the closest scale and geography match to OptimumBank.
- Enterprise Bancorp: Massachusetts-based public community bank focused on commercial lending, business banking, and relationship-driven service — directly comparable business mix and branch model to OptimumBank.
Broad incumbents
- BankUnited: Public Florida commercial bank with deep CRE and commercial lending expertise; a larger incumbent competing for the same Florida SMB and CRE relationships.
- Seacoast Banking Corporation of Florida: Larger Florida-headquartered public bank offering commercial and consumer banking across the same Southeast footprint; not a direct scale peer but the most relevant Florida-based incumbent.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
OptimumBank social profiles
Digital presenceOptimumBank compliance and trust
Trust signalCompliance2 records
OptimumBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
OptimumBank leadership team
Management profileNumber of profiles
OptimumBank subsidiaries and ownership
Company hierarchySubsidiaries1 record
OptimumBank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OptimumBank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about OptimumBank
What does OptimumBank do?
OptimumBank is a Florida-based community bank offering traditional deposit products (checking, savings, money market, CDs) and loan products (residential mortgages, commercial real estate, and consumer loans) to individuals and small/mid-sized businesses in its local market. It operates as the banking subsidiary of Optimum Financial Holdings, Inc., a publicly traded bank holding company.
Is OptimumBank a public or private company?
OptimumBank is a public company. It is classified as public and is currently operating.
When was OptimumBank founded?
OptimumBank was founded in 2000. It employs 51 to 100 people.
Where is OptimumBank based?
OptimumBank is headquartered in Fort Lauderdale, United States, in the North America region.
How does OptimumBank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are noninterest Income and HUD/FHA Lending Platform Revenue.
Who are OptimumBank's main competitors?
Direct peers on record are CB Financial Services, American River Bankshares, Lakeland Bancorp, Heritage Financial, S&T Bancorp, First Northwest Bancorp, National Western Financial and Enterprise Bancorp. Broad incumbents are BankUnited and Seacoast Banking Corporation of Florida.
Does OptimumBank have an API?
No public API is recorded for OptimumBank.
What industry is OptimumBank in?
OptimumBank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.