Headquartered in Fort Lauderdale, Florida, OptimumBank is a state-chartered bank with $1.4B in total assets and $1.2B in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 2000.
OptimumBank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 12th. Earnings contributes the most (98/100, 1.95%); funding & liquidity contributes the least (47/100, 98% loans-to-deposits, 29% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 68 |
| Q4 2024 | 64 |
| Q1 2025 | 70 |
| Q2 2025 | 76 |
| Q3 2025 | 77 |
| Q4 2025 | 75 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.68% |
| Q3 2024 | 10.38% |
| Q4 2024 | 10.91% |
| Q1 2025 | 11.71% |
| Q2 2025 | 11.89% |
| Q3 2025 | 11.71% |
| Q4 2025 | 11.39% |
| Q1 2026 | 10.74% |
| Q2 2026 | 10.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.94% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.52% |
| Q3 2024 | 1.54% |
| Q4 2024 | 1.56% |
| Q1 2025 | 1.77% |
| Q2 2025 | 1.69% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.75% |
| Q1 2026 | 1.70% |
| Q2 2026 | 1.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $1.4B | 10.54% | 0.18% | 1.95% | 97.9% |
| Q1 2026 | 75 | $1.3B | 10.74% | 0.20% | 1.70% | 98.6% |
| Q4 2025 | 75 | $1.1B | 11.39% | 0.30% | 1.75% | 101.5% |
| Q3 2025 | 77 | $1.1B | 11.71% | 0.37% | 1.72% | 83.6% |
| Q2 2025 | 76 | $998.9M | 11.89% | 0.41% | 1.69% | 88.0% |
| Q1 2025 | 70 | $977.2M | 11.71% | 0.94% | 1.77% | 92.6% |
| Q4 2024 | 64 | $932.7M | 10.91% | 0.94% | 1.56% | 102.7% |
| Q3 2024 | 68 | $944.5M | 10.38% | 0.28% | 1.54% | 95.2% |
| Q2 2024 | 65 | $899.5M | 9.68% | 0.37% | 1.52% | 98.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grove Bank & TrustBank Miami, FL | 68 out of 100, Moderate | $1.4B | 10.0% | 0.01% | vs |
| Citizens Bank and TrustBank Frostproof, FL | 67 out of 100, Moderate | $1.5B | 8.0% | 0.35% | vs |
| Bank of Central FloridaBank Lakeland, FL | 69 out of 100, Moderate | $1.2B | 8.7% | 0.21% | vs |
| Helm Bank USABank Miami, FL | 59 out of 100, Moderate | $1.2B | 11.2% | 1.65% | vs |
| First State BankBank Key West, FL | 67 out of 100, Moderate | $1.2B | 10.3% | 0.15% | vs |
| Pacific National BankBank Miami, FL | 77 out of 100, Strong | $1.6B | 10.8% | 0.01% | vs |
Deposit insurance
Is my money safe at OptimumBank?
Yes. OptimumBank is an FDIC-insured institution (FDIC certificate #35430). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.7% of deposits ($349.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
OptimumBank lists 3 offices in 3 cities. Most locations:
Identity & history
Profile
- Legal name
- OptimumBank
- Former names
- Optimumbank.com
- Type
- State-chartered bank
- FDIC certificate #
- 35430
- RSSD ID
- 2953418
- Primary regulator
- FDIC
- Holding company
- Optimumbank Holdings Inc
- Established
- November 1, 2000
- Headquarters
- 2929 E Commercial Blvd, Fort Lauderdale, FL 33308
- Website
- www.optimumbank.com
- Employees
- 114
Quick answers
OptimumBank: common questions
Is OptimumBank FDIC insured?
Yes. OptimumBank is an FDIC-insured institution (FDIC certificate #35430). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is OptimumBank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has OptimumBank ever failed?
There is no failure record for FDIC certificate #35430 in the FDIC failed bank list.
How many branches does OptimumBank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Lauderdale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | vs |
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Shaw-Ross Employees Credit UnionCredit union Miami, FL | 81 out of 100, Strong | $6.8M | 14.9% | 0.53% | vs |
| Pompano Beach City Emp. Credit UnionCredit union Pompano Beach, FL | 80 out of 100, Strong | $31.0M | 19.3% | 0.06% | vs |