OptimumBank: how it compares with its peers
Against 24 FL banks with half to twice its assets, OptimumBank's strongest measure in Q2 2026 is net interest margin (4.52% vs. a 3.66% peer median). Its weakest relative measure is return on assets (1.95% vs. 1.18%).
| Measure | OptimumBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.95% | 1.18% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.52% | 3.66% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.15% | 61.02% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.2M | $8.1M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.86% | 74.96% | Context |
What it means for lending operations
Its efficiency ratio of 47.15% is better than the 61.02% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Grove Bank & Trust Miami, FL · $1.41B
- Citizens Bank and Trust Frostproof, FL · $1.48B
- Bank of Central Florida Lakeland, FL · $1.25B
- Helm Bank USA Miami, FL · $1.19B
- First State Bank Key West, FL · $1.18B
- Pacific National Bank Miami, FL · $1.61B
Questions about OptimumBank
How big is OptimumBank?
OptimumBank, established in 2000, is headquartered in Fort Lauderdale, FL. It reported $1.39B in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is OptimumBank's return on assets?
1.95% annualized in Q2 2026, against a 1.18% median for 24 FL banks with half to twice its assets, ahead of 83% of them.
What is OptimumBank's efficiency ratio?
47.15% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 61.02%, and lower is better.
Is OptimumBank growing its loans?
Net loans grew 53.7% over the year to Q2 2026, while deposits grew 38.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.