OptimumBank net income rises 51% to $11.32 million in first half FY26; net interest income climbs 42% to $27.89 million

• OptimumBank posted net income of $11.32 million for the six months ended June 30, 2026, up 51%; basic EPS was $0.79.
• Net interest income climbed 42% to $27.89 million, as total interest income rose 35% to $41.18 million.
• Credit loss expense eased 16% to $733,000, while net interest income after credit loss expense increased 45% to $27.16 million.
• Noninterest income increased 39% to $4.27 million, helped by wire transfer and ACH fees plus gains on SBA loan sales.
• Noninterest expenses rose 39% to $16.39 million, driven by employee compensation and benefits, data processing fees, and other expenses.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. OptimumBank Holdings Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001493152-26-036825), on August 10, 2026, and is solely responsible for the information contained therein.