Side-by-side · Q2 2026 data
OptimumBank vs Bank of Central Florida
Metric by metric
| Measure | OptimumBank | Bank of Central Florida |
|---|---|---|
| TellerScore | 76 (stronger) | 69 |
| Capital cushion | 55 (stronger) | 37 |
| Loan quality | 94 (stronger) | 93 |
| Earnings | 98 (stronger) | 73 |
| Funding & liquidity | 47 | 70 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 80th | 53rd |
| Total assets | $1.4B | $1.2B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 10.54% (stronger) | 8.75% |
| Problem loans | 0.18% (stronger) | 0.21% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.95% (stronger) | 1.32% |
| Loans ÷ deposits | 97.9% | 73.3% (stronger) |
| Uninsured deposits | 28.7% (stronger) | 30.4% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
OptimumBank has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), OptimumBank leads on 5 and Bank of Central Florida on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.