OptimumBank Holdings, Inc. (OPHC) Balance Sheet
OPHC balance sheet, 2025
December 31, 2025 · U.S. dollars$1.11B assets = $989.8M liabilities + $121.9M equity
Both columns are drawn to the same scale: what OPHC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
OPHC financial health
Descriptive bands, not a rating. Fiscal 2025.
OPHC balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $119.7M2016 | $1.11B2025 | +28.1%/yr | |
| Total liabilities | $116.6M2016 | $989.8M2025 | +26.8%/yr | |
| Shareholders’ equity | $3.1M2016 | $121.9M2025 | +50.5%/yr | |
| Cash & short-term investments | $37.9M2016 | $114.6M2025 | +13.1%/yr | |
| Total debt | $28.7M2016 | $52.7M2025 | +7.0%/yr | |
| Net cash (debt) | $9.2M2016 | $61.8M2025 | +$52.6M | |
| Working capital | −$71.3M2016 | −$863.6M2025 | −$792.2M | |
| Book value per share | $6.082020 | $9.932025 | +10.3%/yr | |
| Debt / equity | 9.302016 | 0.432025 | −8.87 | |
| Shares outstanding | 2.9M2020 | 12.3M2025 | +33.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
OPHC assets
OPHC liabilities and equity
OPHC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
OPHC balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $114.6M | $116.4M | $101.0M | $96.9M | $93.4M | $73.5M | $14.3M | $10.3M | $23.1M | $37.9M |
| Cash & equivalents | $114.6M | $93.6M | $76.7M | $71.8M | $59.0M | $54.6M | $8.9M | $8.0M | $11.7M | $17.6M |
| Short-term investments | $25.2M | $22.8M | $24.4M | $25.1M | $34.4M | $18.9M | $5.4M | $2.4M | $11.4M | $20.2M |
| Receivables | $3.6M | $3.3M | $2.5M | $1.4M | $971,000 | $1.3M | $432,000 | $314,000 | $316,000 | $380,000 |
| Inventory | $0 | $0 | −$40.8M | −$73.3M | −$59.9M | −$56.0M | −$9.4M | −$8.3M | −$12.4M | −$18.1M |
| Other current assets | $0 | $0 | $40.8M | $73.3M | $59.9M | $56.0M | $9.4M | $8.3M | $12.4M | $18.1M |
| Total current assets | $118.2M | $119.8M | $103.5M | $98.4M | $94.3M | $74.9M | $14.8M | $10.7M | $23.4M | $38.2M |
| Property, plant & equipment (net) | $5.1M | $4.7M | $3.5M | $3.1M | $2.6M | $2.3M | $2.4M | $2.7M | $2.6M | $2.6M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $1.3M | $0 | $0 | $0 | $0 |
| Long-term investments | $25.4M | $23.1M | $24.7M | $25.6M | $35.4M | $22.3M | $108.0M | $84.3M | $68.2M | $77.0M |
| Other non-current assets | $963.0M | $785.4M | $659.5M | $458.1M | $219.5M | $134.3M | $1.5M | $2.7M | $1.6M | $1.8M |
| Total assets | $1.11B | $932.9M | $791.3M | $585.2M | $351.9M | $235.1M | $126.7M | $100.4M | $95.9M | $119.7M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $507.9M | $292.5M | $190.8M | $101.4M | $62.4M | $65.3M | $86.1M |
| Short-term debt | $50.0M | $50.0M | $62.0M | $10.0M | $18.0M | $23.0M | $13.0M | $25.2M | $20.5M | $23.5M |
| Total current liabilities | $981.8M | $822.2M | $701.6M | $517.9M | $310.5M | $213.8M | $114.4M | $87.5M | $85.8M | $109.6M |
| Long-term debt | $0 | $50.0M | $62.0M | $10.0M | $18.0M | $25.1M | $2.6M | $5.7M | $5.2M | $5.2M |
| Lease obligations | $2.7M | $2.8M | $2.2M | $2.2M | $1.8M | $923,000 | $1.1M | $0 | $0 | $0 |
| Other long-term liabilities | $8.0M | $0 | $0 | $0 | $0 | $0 | $2.6M | $892,000 | $2.4M | $1.9M |
| Total liabilities | $989.8M | $829.7M | $721.2M | $522.6M | $313.4M | $217.3M | $119.5M | $95.1M | $93.3M | $116.6M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $115,000 | $116,000 | $72,000 | $71,000 | $48,000 | $32,000 | $28,000 | $18,000 | $11,000 | $11,000 |
| Retained earnings (deficit) | $13.8M | −$2.8M | −$16.0M | −$22.1M | −$26.1M | −$32.4M | −$31.6M | −$30.5M | −$31.3M | −$30.7M |
| Treasury stock | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Accumulated other comprehensive income | −$4.6M | −$5.6M | −$5.3M | −$5.8M | −$635,000 | −$69,000 | −$205,000 | −$330,000 | −$250,000 | −$252,000 |
| Minority interest | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Total shareholders' equity | $121.9M | $103.2M | $70.0M | $62.6M | $38.5M | $17.8M | $7.2M | $5.3M | $2.5M | $3.1M |
| Key figures | ||||||||||
| Total debt | $52.7M | $102.8M | $126.2M | $22.2M | $37.8M | $26.0M | $16.6M | $29.8M | $25.7M | $28.7M |
| Net cash (debt) | $61.8M | $13.6M | −$25.2M | $74.8M | $55.6M | $47.5M | −$2.3M | −$19.4M | −$2.6M | $9.2M |
| Working capital | −$863.6M | −$702.4M | −$598.1M | −$419.5M | −$216.1M | −$138.9M | −$99.6M | −$76.9M | −$62.3M | −$71.3M |
| Tangible book value | $121.9M | $103.2M | $70.0M | $62.6M | $38.5M | $16.5M | $7.2M | $5.3M | $2.5M | $3.1M |
| Book value per share | $9.93 | $10.46 | $9.67 | $10.51 | $9.88 | $6.08 | — | — | — | — |
| Shares outstanding | 12.3M | 9.9M | 7.2M | 6.0M | 3.9M | 2.9M | — | — | — | — |
| Current ratio | 0.12 | 0.15 | 0.15 | 0.19 | 0.30 | 0.35 | 0.13 | 0.12 | 0.27 | 0.35 |
| Quick ratio | 0.12 | 0.15 | 0.15 | 0.19 | 0.30 | 0.35 | 0.13 | 0.12 | 0.27 | 0.35 |
| Debt / equity | 0.43 | 1.00 | 1.80 | 0.35 | 0.98 | 1.46 | 2.31 | 5.61 | 10.08 | 9.30 |
| Equity / assets | 11.0% | 11.1% | 8.8% | 10.7% | 10.9% | 7.6% | 5.7% | 5.3% | 2.7% | 2.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $41.3M | $140.0M | $114.6M | $235.1M | $181.8M | $143.5M | $116.4M | $156.1M | $127.6M | $174.7M | $101.0M | $127.1M |
| Cash & equivalents | $14.6M | $140.0M | $114.6M | $235.1M | $181.8M | $143.5M | $93.6M | $131.6M | $104.1M | $151.1M | $76.7M | $104.0M |
| Short-term investments | $26.6M | — | $25.2M | $22.9M | $22.4M | $23.0M | $22.8M | $24.5M | $23.5M | $23.6M | $24.4M | $23.1M |
| Receivables | $4.9M | $1.08B | $3.6M | $3.2M | $3.1M | $3.3M | $3.3M | $3.1M | $3.0M | $3.0M | $2.5M | $1.8M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$38.5M | −$40.6M | $11.5M | −$105.8M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $38.5M | $40.6M | $0 | $105.8M |
| Total current assets | $46.1M | $1.22B | $118.2M | $238.3M | $184.9M | $146.7M | $119.8M | $159.2M | $130.6M | $177.7M | $103.5M | $128.9M |
| Property, plant & equipment (net) | $5.5M | $2.8M | $5.1M | $5.0M | $5.0M | $4.9M | $4.7M | $3.9M | $3.9M | $3.7M | $3.5M | $3.5M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $26.9M | $27.3M | $25.4M | $23.2M | $22.6M | $23.3M | $23.1M | $24.8M | $23.9M | $23.9M | $24.7M | $23.5M |
| Other non-current assets | $1.32B | $16.1M | $963.0M | $816.6M | $786.6M | $802.5M | $785.4M | $757.3M | $741.4M | $735.4M | $659.5M | $557.4M |
| Total assets | $1.40B | $1.27B | $1.11B | $1.08B | $999.1M | $977.5M | $932.9M | $945.2M | $899.8M | $940.6M | $791.3M | $713.2M |
| Liabilities | ||||||||||||
| Accounts payable | — | $1.09B | — | — | — | — | — | — | — | — | — | — |
| Short-term debt | $2.5M | $40.0M | $50.0M | — | — | $10.0M | $50.0M | $40.0M | $45.0M | $40.0M | $62.0M | $10.0M |
| Total current liabilities | $2.5M | $1.13B | $981.8M | $959.5M | $878.9M | $862.9M | $822.2M | $846.5M | $807.6M | $838.4M | $701.6M | $628.4M |
| Long-term debt | $14.0M | $0 | $0 | $0 | $0 | $0 | $50.0M | $40.0M | $45.0M | $40.0M | $62.0M | $10.0M |
| Lease obligations | $2.5M | $2.6M | $2.7M | $2.8M | $2.7M | $2.7M | $2.8M | $2.1M | $2.1M | $2.2M | $2.2M | $2.3M |
| Other long-term liabilities | $1.25B | $9.0M | $8.0M | $6.7M | $8.9M | $6.5M | $0 | $0 | $0 | $0 | $0 | $8.6M |
| Total liabilities | $1.27B | $1.14B | $989.8M | $966.2M | $887.8M | $869.5M | $829.7M | $852.5M | $812.8M | $857.6M | $721.2M | $647.0M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $239,000 | $122,000 | $115,000 | $119,000 | $118,000 | $118,000 | $116,000 | $99,000 | $96,000 | $96,000 | $72,000 | $72,000 |
| Retained earnings (deficit) | $25.1M | $18.5M | $13.8M | $8.9M | $4.6M | $1.0M | −$2.8M | −$6.8M | −$10.1M | −$13.6M | −$16.0M | −$18.5M |
| Accumulated other comprehensive income | −$4.8M | −$4.7M | −$4.6M | −$4.8M | −$5.4M | −$5.2M | −$5.6M | −$4.5M | −$5.5M | −$5.7M | −$5.3M | −$6.5M |
| Total shareholders' equity | $134.4M | $126.8M | $121.9M | $116.9M | $111.3M | $108.0M | $103.2M | $92.7M | $87.0M | $83.0M | $70.0M | $66.2M |
| Key figures | ||||||||||||
| Total debt | $5.1M | $42.6M | $52.7M | $2.8M | $2.7M | $12.7M | $102.8M | $82.1M | $92.1M | $82.2M | $126.2M | $22.3M |
| Net cash (debt) | $36.2M | $97.4M | $61.8M | $232.2M | $179.1M | $130.7M | $13.6M | $74.0M | $35.5M | $92.5M | −$25.2M | $104.8M |
| Working capital | $43.6M | $89.7M | −$863.6M | −$721.2M | −$694.0M | −$716.2M | −$702.4M | −$687.3M | −$677.1M | −$660.7M | −$598.1M | −$499.5M |
| Tangible book value | $134.4M | $126.8M | $121.9M | $116.9M | $111.3M | $108.0M | $103.2M | $92.7M | $87.0M | $83.0M | $70.0M | $66.2M |
| Book value per share | $11.24 | $10.61 | $9.93 | $9.52 | $9.07 | $8.83 | $10.15 | $9.01 | $8.56 | $10.88 | $9.66 | $9.14 |
| Shares outstanding | 12.0M | 12.0M | 12.3M | 12.3M | 12.3M | 12.2M | 10.2M | 10.3M | 10.2M | 7.6M | 7.3M | 7.3M |
| Current ratio | 18.12 | 1.08 | 0.12 | 0.25 | 0.21 | 0.17 | 0.15 | 0.19 | 0.16 | 0.21 | 0.15 | 0.21 |
| Quick ratio | 18.12 | 1.08 | 0.12 | 0.25 | 0.21 | 0.17 | 0.15 | 0.19 | 0.16 | 0.21 | 0.15 | 0.21 |
| Debt / equity | 0.04 | 0.34 | 0.43 | 0.02 | 0.02 | 0.12 | 1.00 | 0.89 | 1.06 | 0.99 | 1.80 | 0.34 |
| Equity / assets | 9.6% | 10.0% | 11.0% | 10.8% | 11.1% | 11.0% | 11.1% | 9.8% | 9.7% | 8.8% | 8.8% | 9.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 26, 2026); data from EODHD.
OPHC financial position
At the end of fiscal 2025 (December 31, 2025), OptimumBank had total assets of $1.1 billion (up 19.2% from a year earlier), total liabilities of $989.8 million and shareholders' equity of $121.9 million. It held $114.6 million in cash and short-term investments against $52.7 million of debt, a net cash position of $61.8 million. Its current ratio was 0.12. In the latest quarter (ended June 30, 2026) total assets were $1.4 billion and equity $134.4 million.
Related: OPHC income statement, OPHC cash flow statement, OPHC key metrics. See the OPHC stock overview for the latest quote and news.
OPHC balance sheet FAQ
What are OptimumBank's total assets?
OptimumBank reported total assets of $1.1 billion at the end of fiscal 2025 (December 31, 2025), compared with $932.9 million a year earlier.
How much debt does OptimumBank have?
OptimumBank had $52.7 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.43.
How much cash does OptimumBank have?
OptimumBank held $114.6 million in cash and short-term investments at the end of fiscal 2025; with $52.7 million of debt that is net cash of $61.8 million.
What is OptimumBank's book value?
OptimumBank's shareholders' equity (book value) was $121.9 million at the end of fiscal 2025, or $9.93 per share.
What is OptimumBank's current ratio?
OptimumBank had current assets of $118.2 million and current liabilities of $981.8 million, a current ratio of 0.12 (current liabilities exceed current assets).