Call reports 2026
OPTIMUMBANK — 2026
What OPTIMUMBANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 1,268,490,000 | 1,386,526,000 |
| Total loans | 1,089,593,000 | 1,201,426,000 |
| Allowance for loan losses | 11,061,000 | 10,890,000 |
| Securities available for sale | 27,044,000 | 26,646,000 |
| Securities held to maturity | 3,309,000 | 3,301,000 |
| Trading assets | 0 | 0 |
| Total deposits | 1,094,131,000 | 1,216,561,000 |
| Interest-bearing deposits | 787,996,000 | 894,669,000 |
| Noninterest-bearing deposits | 306,135,000 | 321,892,000 |
| Equity capital | 125,760,000 | 132,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 19,453,000 | 40,620,000 |
| Interest expense | 6,263,000 | 13,019,000 |
| Net interest income | 13,190,000 | 27,601,000 |
| Noninterest income | 1,786,000 | 4,273,000 |
| Noninterest expense | 7,463,000 | 15,028,000 |
| Provision for loan losses | 791,000 | 632,000 |
| Pretax income | 6,743,000 | 16,242,000 |
| Income tax | 1,673,000 | 4,030,000 |
| Net income | 5,070,000 | 12,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 130,491,000 | 137,633,000 |