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OptimumBank Holdings (OPHC)
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OptimumBank Holdings Balance Sheet 2025-2009 | OPHC
Brief overview of OptimumBank Holdings's balance sheet structure
The balance sheet is assessed across five available annual reports spanning 2021 to 2025.
The asset base grew from $351.9 million to $1.1 billion, or +215.9%. Average annual growth of roughly 33.3% was strong.
Assets and liabilities changed at similar rates, +215.9% and +215.9%. The funding mix did not shift sharply.
For this sector, the direction of capital matters more than a high liability share itself: the equity ratio is 11% versus 10.9%.
Retained earnings reached $13.8 million, changing +152.9% over the period. A positive accumulated result supports equity.
Overall assessment
OptimumBank Holdings retains a reasonably healthy balance sheet structure, which still needs support from earnings and cash flow.
Annual Balance Sheet OptimumBank Holdings
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | 15 M | 12.1 M | 24.1 M | 25.4 M | 31.2 M | 40.5 M | 42.6 M | 37 M | 27.9 M | 31.7 M | - | - |
Long Term Debt |
- | - | - | - | - | 25.1 M | 15.6 M | 29.8 M | 25.7 M | 28.7 M | 25.2 M | 27.9 M | 27.9 M | 32.9 M | 36.9 M | - | - |
Total Non Current Liabilities |
- | - | - | - | - | - | 2.58 M | 4.46 M | 5.16 M | 5.16 M | 5.16 M | 5.16 M | 5.2 M | 5.2 M | 5.2 M | - | - |
Total Liabilities |
990 M | 830 M | 721 M | 523 M | 313 M | 217 M | 120 M | 95.1 M | 93.3 M | 117 M | 125 M | 122 M | 129 M | 137 M | 148 M | 187 M | - |
Retained Earnings |
13.8 M | -2.85 M | -16 M | -22.1 M | -26.1 M | -32.4 M | -31.6 M | -30.5 M | -31.3 M | -30.7 M | -30.3 M | -30.2 M | -31.8 M | -24.7 M | -20 M | -16.2 M | - |
Total Assets |
1.11 B | 933 M | 791 M | 585 M | 352 M | 235 M | 127 M | 100 M | 95.9 M | 120 M | 127 M | 125 M | 129 M | 144 M | 154 M | 190 M | - |
Cash and Cash Equivalents |
- | - | - | - | - | - | - | - | - | - | - | - | - | 23.6 M | 22.8 M | 14.4 M | 36.8 M |
Book Value |
122 M | 103 M | 70 M | 62.6 M | 38.5 M | 17.8 M | 7.21 M | 5.31 M | 2.54 M | 3.08 M | 2.97 M | 2.98 M | -216 K | 6.91 M | 6.79 M | 2.84 M | - |
Total Shareholders Equity |
122 M | 103 M | 70 M | 62.6 M | 38.5 M | 17.8 M | 7.21 M | 5.31 M | 2.54 M | 3.08 M | 2.97 M | 2.98 M | -216 K | 6.91 M | 6.79 M | 2.84 M | 11.3 M |
Annual performance
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All numbers in USD currency
Quarterly Balance Sheet OptimumBank Holdings
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
990 M | 1.14 B | 830 M | 966 M | 888 M | 869 M | 830 M | 852 M | 813 M | 858 M | 721 M | 647 M | 567 M | 557 M | 523 M | 494 M | 419 M | 338 M | 313 M | 302 M | 265 M | 231 M | 217 M | 217 M | 217 M | 217 M | 120 M | 120 M | 120 M | 120 M | 94.1 M | 94.8 M | 94.8 M | 95.1 M | 93.3 M | 93.3 M | 93.3 M | 93.3 M | 117 M | 117 M | 117 M | 117 M | 125 M | 125 M | 125 M | 125 M | 122 M | 122 M | 122 M | 122 M | 129 M | 129 M | 129 M | 129 M | 137 M | 137 M | 137 M | 137 M | 148 M | 148 M | 148 M | 148 M |
Retained Earnings |
13.8 M | 18.5 M | -2.85 M | 8.95 M | 4.62 M | 1.02 M | -2.85 M | -6.8 M | -10.1 M | -13.6 M | -16 M | -18.5 M | -19.8 M | -21.1 M | -22.1 M | -23.6 M | -24.3 M | -25.2 M | -26.1 M | -30.7 M | -31.6 M | -32 M | -32.4 M | -32.4 M | -32.4 M | -32.4 M | -31.6 M | -31.6 M | -31.6 M | -31.6 M | -30.5 M | -30.5 M | -30.5 M | -30.5 M | -31.3 M | -31.3 M | -31.3 M | -31.3 M | -30.7 M | -30.7 M | -30.7 M | -30.7 M | -30.3 M | -30.3 M | -30.3 M | -30.3 M | -30.2 M | -30.2 M | -30.2 M | -30.2 M | -31.8 M | -31.8 M | -31.8 M | -31.8 M | -24.7 M | -24.7 M | -24.7 M | -24.7 M | -20 M | -20 M | -20 M | -20 M |
Total Assets |
1.11 B | 1.27 B | 933 M | 1.08 B | 999 M | 977 M | 933 M | 945 M | 900 M | 941 M | 791 M | 713 M | 633 M | 622 M | 585 M | 545 M | 467 M | 387 M | 352 M | 335 M | 294 M | 253 M | 235 M | 235 M | 235 M | 235 M | 127 M | 127 M | 127 M | 127 M | 99.5 M | 100 M | 100 M | 100 M | 95.9 M | 95.9 M | 95.9 M | 95.9 M | 120 M | 120 M | 120 M | 120 M | 127 M | 127 M | 127 M | 127 M | 125 M | 125 M | 125 M | 125 M | 129 M | 129 M | 129 M | 129 M | 144 M | 144 M | 144 M | 144 M | 154 M | 154 M | 154 M | 154 M |
Cash and Cash Equivalents |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 15.9 M | 23.6 M | 27.4 M | 28.1 M | 24.1 M | 22.8 M | 22.8 M | 22.8 M | 22.8 M |
Book Value |
122 M | 127 M | 103 M | 117 M | 111 M | 108 M | 103 M | 92.7 M | 87 M | 83 M | 70 M | 66.2 M | 65.9 M | 64.9 M | 62.6 M | 51.2 M | 48 M | 49.3 M | 38.5 M | 33.2 M | 29.2 M | 21.3 M | 17.8 M | 17.8 M | 17.8 M | 17.8 M | 7.21 M | 7.21 M | 7.21 M | 7.21 M | 5.31 M | 5.31 M | 5.31 M | 5.31 M | 2.54 M | 2.54 M | 2.54 M | 2.54 M | 3.08 M | 3.08 M | 3.08 M | 3.08 M | 2.97 M | 2.97 M | 2.97 M | 2.97 M | 2.98 M | 2.98 M | 2.98 M | 2.98 M | -216 K | -216 K | -216 K | -216 K | 6.91 M | 6.91 M | 6.91 M | 6.91 M | 6.79 M | 6.79 M | 6.79 M | 6.79 M |
Total Shareholders Equity |
103 M | 127 M | 70 M | 117 M | 111 M | 108 M | 103 M | 92.7 M | 87 M | 83 M | 70 M | 66.2 M | 65.9 M | 64.9 M | 62.6 M | 51.2 M | 48 M | 49.3 M | 38.5 M | 33.2 M | 29.2 M | 21.3 M | 17.8 M | 17.8 M | 17.8 M | 17.8 M | 7.21 M | 7.21 M | 7.21 M | 7.21 M | 5.31 M | 5.31 M | 5.31 M | 5.31 M | 2.54 M | 2.54 M | 2.54 M | 2.54 M | 3.08 M | 3.08 M | 3.08 M | 3.08 M | 2.97 M | 2.97 M | 2.97 M | 2.97 M | 2.98 M | 2.98 M | 2.98 M | 2.98 M | -216 K | -216 K | -216 K | -216 K | 6.91 M | 6.91 M | 6.91 M | 6.91 M | 6.79 M | 6.79 M | 6.79 M | 6.79 M |
Quarterly performance
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All numbers in USD currency
Balance Sheet is a fundamental financial report of OptimumBank Holdings, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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