OptimumBank reports Q2 2026 net income of $6.7M ($0.28 diluted EPS), up 43% QoQ

Filed July 24, 2026 · Period ending July 24, 2026 · ~2 min read

Key Changes

• high

  Q2 2026 net income of $6.7M ($0.28 diluted EPS), up 43% from Q1 2026 ($4.7M) and 85% from Q2 2025 ($3.6M), driven by higher net interest income, credit loss reversal, and noninterest income growth.

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• high

  Gross loans grew $126.2M (11.6%) to $1.2B and deposits grew $121.2M (11.1%) to $1.2B in Q2 2026; year-over-year deposit growth was $335.2M (38.1%), led by commercial real estate lending.

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• high

  Net interest margin expanded to 4.57%, up 8 bps from Q1 2026 (4.49%) and 25 bps from Q2 2025 (4.32%), reflecting higher loan yields (6.75%, up 22 bps YoY) and lower deposit costs (3.30%, down 19 bps YoY).

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