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OptimumBank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary2 Feb, 2026
Executive summary
Achieved record net earnings of $4.85M for Q4 2025, up from $4.32M in Q3 2025 and $3.95M in Q4 2024, with annual net earnings of $16.65M, a $3.52M increase year-over-year.
Strong loan growth and asset expansion, with total assets reaching $1.11B and gross loans at $958.79M at year-end.
Strategic focus on expanding into new financial verticals and launching a new subsidiary for specialized financing in 2026.
Financial highlights
Net interest income for Q4 2025 was $11.87M, up $0.82M sequentially and $2.64M year-over-year.
Net interest margin rose to 4.39% in Q4 2025, up from 4.37% in Q3 2025 and 3.87% in Q4 2024.
Noninterest income for Q4 2025 was $1.73M, down $0.26M sequentially but up $0.66M year-over-year.
Noninterest expenses increased to $6.74M in Q4 2025, mainly due to higher marketing and operational costs.
Total deposits at year-end were $931.75M, up 20.66% year-over-year but down 2.89% sequentially.
Total stockholders' equity increased to $121.90M at December 31, 2025.
Outlook and guidance
Outlook remains constructive, with a new subsidiary set to offer bridge-to-HUD and FHA/HUD-insured loan origination in 2026.
Continued investment in technology, talent, and targeted growth strategies to reinforce market position.
New financing verticals: expected impact?
Q4 deposit decline: future funding strategy?
Loan growth vs. credit quality: risk management?
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Next OptimumBank earnings date
Q1 202620 Apr, 2026
OptimumBank
Next OptimumBank earnings date
Q1 202620 Apr, 2026
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