OptimumBank
Fort Lauderdale, FL
IDRSSD: 2953418
Total Assets
$1.08B
Latest filing
Total Deposits
$960.56M
Latest filing
Net Interest Margin
4.35%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
OptimumBank
2929 E Commercial Blvd
Fort Lauderdale, FL 33308
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/01/2000FDIC Certificate 80028
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| OptimumBank (Main) | 2929 E Commercial Blvd | Fort Lauderdale, FL |
| FT LAUDERDALE BRANCH | 2929 E Commercial Blvd Suite 101 And 301 | Fort Lauderdale, FL |
| DEERFIELD BEACH BRANCH | 2201 W Hillsboro Blvd | Deerfield Beach, FL |
| NORTH MIAMI BEACH BRANCH | 757 Ne 167th Street | North Miami Beach, FL |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Locality Bank
Fort Lauderdale, Florida
→
Assets: $305.90MΔ -69.4%
Evermore Bank
Fort Lauderdale, Florida
→
Assets: $244.03MΔ -75.6%
Prime Meridian Bank
Tallahassee, Florida
→
Assets: $993.04MΔ -0.6%
Brannen Bank
Inverness, Florida
→
Assets: $990.95MΔ -0.8%
Sanibel Captiva Community Bank
Sanibel, Florida
→
Assets: $1.01BΔ +1.5%
Helm Bank USA
Miami, Florida
→
Assets: $1.09BΔ +9.0%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/01/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 33308 |
| State and County Number | 12011 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Miami-Fort Lauderdale-Pompano Beach, FL |
Operational Info
| Number of Employees | 88 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/01/2000 |
| Primary Insurance Agency | DIF |
| Website | www.optimumbank.com |
| Data Updated | 11/14/2025 |
| CERT | 35430 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.08B |
| Total Deposits | $960.56M |
| Total Liabilities | $966.52M |
| Total Equity Capital | $116.18M |
| Net Income | $4.70M |
| Net Loans and Leases | $802.81M |
| Assets Per Employee ($Millions) | $11.28M |
| Bank Premises and Fixed Assets | $4.56M |
| Cash and Balances due from Depository Institutions | $176.81M |
| Deposits Held in Domestic Offices | $960.56M |
Key Performance Ratios
| Return on Assets (ROA) | 1.81% |
| Return on Equity (ROE) | 16.56% |
| Net Interest Margin | 4.35% |
| Efficiency Ratio | 46.84% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.29% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.73% |
| Earning Assets to total Assets | 97.53% |
Income and Expense
| Total Interest Income | $16.32M |
| Total Noninterest Income | $1.98M |
| Total Interest Expense | $5.27M |
| Total Noninterest Expense | $6.10M |
| Net Interest Income | $11.05M |
| Pre-tax Net Operating Income | $6.16M |
| Provision for Credit Losses | $763.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $605.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $59.30M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.96M |
| Total Liabilities and Capital | $1.08B |
Securities
| Securities | $26.28M |
| Available-for-sale debt securities | $22.93M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $3.35M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of OptimumBank?
$1.08B as of the latest filing.
How much are OptimumBank's total deposits?
$960.56M in total deposits.
Where is OptimumBank located?
Fort Lauderdale, FL.
What is the Net Interest Margin?
4.35%.
How many domestic offices does it operate?
4.
When was it established?
11/01/2000.
What is the Return on Assets (ROA)?
1.81%.
How much are total loans and leases?
$802.81M (latest filing).
What is the total interest income (latest filing)?
$16.32M.