OptimumBank Holdings, Inc. (NYSEAMERICAN: OPHC) reported net earnings of $4.85 million for the fourth quarter ended Dec. 31, 2025. This result compares to $3.95 million in net earnings for the same period in 2024, representing a year-over-year profit increase of 22.8%.

Consolidated revenue for the quarter, consisting of net interest income and noninterest income, reached $13.60 million. This reflects a 31.9% increase from the $10.31 million in revenue recorded in the fourth quarter of 2024.

Segment Highlights

Operational highlights within the loan portfolio for the fourth quarter include the following developments:

• Commercial Real Estate: The segment increased by $141.64 million to a total of $666.51 million.
• Residential Real Estate: The portfolio increased by $7.29 million to $74.02 million.
• Land and Construction: This segment decreased by $7.15 million to $36.21 million.
• Multi-family Real Estate: Holdings in this segment decreased by $1.74 million to $65.69 million.
• Commercial and Consumer: These segments increased by $2.59 million and $2.44 million, respectively.

Full-Year Results Context

For the full year of 2025, OptimumBank reported net earnings of $16.65 million, an increase from $13.12 million in 2024. Annual revenue totaled $49.36 million, an increase from $39.31 million the previous year. Directional trends for the twelve-month period showed growth in net interest income, which rose by $7.90 million, and noninterest income, which increased by $2.15 million. Total assets reached $1.11 billion, an increase of 19.16% compared to Dec. 31, 2024.

Business and Operations Update

The company established a new wholly owned subsidiary in 2025, funded through a dividend from the bank. The unit is intended to offer financing solutions, including bridge-to-HUD financing and FHA and HUD-insured loan origination for healthcare and multifamily properties. Fourth quarter noninterest expenses reached $6.74 million, which included marketing costs related to the company’s 25th anniversary event.

Strategic Moves and Outlook

The company has not reported any pending mergers or acquisitions. Company-issued information indicates the rollout of the new HUD-focused financing platform is expected in 2026. Future operations will include continued investment in technology and staffing within the South Florida market.

Performance Summary

OptimumBank reported net earnings of $4.85 million for the fourth quarter of 2025. Total assets reached $1.11 billion and the net interest margin was 4.39%. Growth in the loan portfolio was driven by the commercial real estate segment. Total deposits were $931.75 million at year-end, representing an increase of 20.66% from the prior year.