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Optimumbank Holdings Inc (OPHC) Annual Income Statement

Annual · GAAP · USD millions
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Quarterly income statement trends provide context on Optimumbank Holdings Inc's margins, operating leverage, and earnings trajectory.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases57.15
Interest and Dividend Income, Securities, Operating0.64
Other Interest and Dividend Income6.57
Total Interest Income64.35
Interest Expense, Deposits21.43
Interest Expense, Borrowings0.33
Total Interest Expense21.77
Net Interest Income42.59
Provision for loan losses2.04
Total Net Interest Income40.55
Noninterest Income, Other Operating Income2.12
Other Non-Interest Income3.97
Total Non-interest Income6.77
Total Revenues47.33
Costs & Expenses
Salaries & employee benefits, SGA14.80
Unusual Expense /-Income0.00
Communications, Occupancy and Information Technology1.23
Professional Fees1.13
Other Noninterest Expense4.57
Other loss /-income3.43
Total Operating Expenses25.15
Total Costs & Expenses46.92
Income & Taxes
Income /-loss before income taxes22.17
Income taxes expenses/-benefit5.52
Income after income taxes16.65
Net income/-loss of other equity0.00
Income /-loss after income taxes16.65
Net Income/-loss16.65
Income/-loss to shareholder16.65
Earnings Per Share
Basic EPS (excl. extra items)1.42
Basic Net EPS1.42
Basic shares outstanding (Mill. of Units)11.70
Diluted Net EPS0.71
Diluted average shares (Mill. of Units)11.70
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About Optimumbank Holdings Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: February 26, 2026
  • Original filing: form10-k.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.