OptimumBank Holdings, Inc. Named Among Nation's Top Community Banks in Raymond James Community Bankers Cup

OptimumBank (NYSE American: OPHC) announced it received the 2025 Raymond James Community Bankers Cup, recognizing top-performing U.S. community banks for profitability, efficiency, and balance sheet strength.

Rhea-AI Summary

OptimumBank (NYSE American: OPHC) announced it received the 2025 Raymond James Community Bankers Cup, recognizing top-performing U.S. community banks for profitability, efficiency, and balance sheet strength.

OptimumBank was one of 20 winners out of 191 eligible banks, the only Florida bank and one of two in the Southeast, and among four first-time winners.

Key Figures

Selected banks: 20 banks Eligible banks pool: 191 banks Asset range: $500 million–$10 billion +5 more

Selected banks

20 banks

Number of community banks receiving the 2025 Raymond James Community Bankers Cup

Eligible banks pool

191 banks

Publicly traded community banks evaluated for the award

Asset range

$500 million–$10 billion

Asset size criteria for banks evaluated by Raymond James

Top-tier cutoff

Top 10%

Institutions recognized based on percentile ranking across key metrics

First-time winners

4 banks

Number of first-time recipients in the 2025 rankings

Southeast awardees

2 banks

Community banks in the Southeast region receiving the distinction

Florida representation

1 bank

OptimumBank as the only institution from Florida recognized

Market cap

$66,739,895

Pre-news market capitalization for OPHC

Historical Context

5 past events · Latest: May 05

5 events

1. May 05

   Leadership change

   24h Move

   +1.6%

   CEO transition to Moishe Gubin and president appointment supporting growth strategy.

2. Apr 27

   Performance update

   24h Move

   +0.7%

   Announcement of best year in company history with strong core ROAE and NIM.

3. Apr 24

   Earnings release

   24h Move

   +1.7%

   Q1 2026 results showing higher net income, assets, loans, and deposits.

4. Apr 20

   Analyst coverage

   24h Move

   +1.1%

   Brean Capital initiation of coverage with rating and price target for OPHC.

5. Apr 10

   Analyst coverage

   24h Move

   +0.9%

   Alliance Global Partners initiation of coverage with rating and target.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Key Terms

return on assets, return on tangible common equity, net interest margin, efficiency ratio, +2 more

6 terms

return on assets financial

"categories, including return on assets, return on tangible common equity, net"

Return on assets (ROA) is a percentage that shows how much profit a company earns for each dollar of its assets, calculated by dividing its profit by its total assets. Investors use ROA to judge how efficiently a business turns its resources into earnings — like measuring how many miles a car gets per gallon — and to compare efficiency across companies, keeping in mind that capital‑intensive industries naturally show different typical ROA levels.

return on tangible common equity financial

"including return on assets, return on tangible common equity, net interest"

Return on tangible common equity measures how much profit a company generates from the real, spendable capital that belongs to common shareholders, shown as a percentage. It strips out intangible items like goodwill to focus on the “hard” equity and tells investors how efficiently the firm uses that tangible capital to create earnings—think of it as the return on the cash you actually have rather than on paper values or goodwill.

net interest margin financial

"return on tangible common equity, net interest margin, efficiency ratio, core"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

efficiency ratio financial

"net interest margin, efficiency ratio, core deposit composition, and asset"

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

core deposit composition financial

"efficiency ratio, core deposit composition, and asset quality."

Core deposit composition is the mix of stable customer funds a bank holds—such as checking accounts, savings accounts and small-term certificates—versus more volatile or wholesale sources. Think of it as a household pantry: basic, regularly used staples are steady and cheap to rely on, while specialty items are costlier and less dependable. For investors, the composition matters because a higher share of stable, low-cost deposits makes a bank’s funding more secure, less sensitive to interest-rate swings, and generally supports steadier profits and lower liquidity risk.

asset quality financial

"efficiency ratio, core deposit composition, and asset quality."

Asset quality refers to the overall condition and reliability of the assets held by a financial institution, indicating how likely they are to generate income or be paid back as expected. High-quality assets are like dependable tools that consistently perform well, while lower-quality assets are riskier and may lead to losses. Investors pay close attention to asset quality because it reflects the financial health and stability of an institution.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Fort Lauderdale, Florida--(Newsfile Corp. - May 19, 2026) - OptimumBank (NYSE American: OPHC) ("Bank") today announced that it has been named a recipient of the 2025 Raymond James Community Bankers Cup. This annual recognition honors top-performing publicly traded community banks in the United States based on profitability, operational efficiency, and balance sheet strength.

According to Raymond James, OptimumBank was one of only 20 banks selected nationwide from a pool of 191 eligible publicly traded community banks with assets between $500 million and $10 billion. Notably, OptimumBank was the sole institution from the State of Florida and one of only two community banks in the entire Southeast region to receive this distinction.

The award recognizes the top 10% of institutions evaluated across six key performance categories, including return on assets, return on tangible common equity, net interest margin, efficiency ratio, core deposit composition, and asset quality. Breaking into this elite group marks a significant milestone for OptimumBank, which was recognized as one of only four first-time winners nationwide to disrupt the national rankings this year.

"We are honored to be recognized by Raymond James as one of the nation's top-performing community banks," said Moishe Gubin, Chairman and Chief Executive Officer of OptimumBank. "Earning a spot on this list as a first-time winner underscores our accelerating institutional momentum. This regional and national distinction reflects the strength of our balance sheet, our disciplined operating model, and the dedication of our employees to delivering long-term value for our customers and shareholders."

The Raymond James Community Bankers Cup evaluates exchange-traded domestic banks with assets between $500 million and $10 billion, excluding mutual holding companies and acquisition targets. Institutions are ranked using percentile scoring across six profitability, operational efficiency, and balance sheet metrics, with the top 10% receiving recognition.

About OptimumBank Holdings, Inc.
Founded in 2000 and headquartered in Fort Lauderdale, Florida, OptimumBank is a full-service community bank focused on delivering personalized service, competitive pricing, and innovative financial solutions. The Bank supports economic development and community growth through responsible banking practices. OptimumBank's business and financial solutions include: Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking.

Investor Relations & Corporate Relations
Contact: Seth Denison
Telephone: (305) 401-4140
Email: SDenison@OptimumBank.com

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/297897

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What is the 2025 Raymond James Community Bankers Cup awarded to OptimumBank (NYSE American: OPHC)?

The 2025 Raymond James Community Bankers Cup honors OptimumBank as one of the nation’s top-performing community banks. According to OptimumBank, the award recognizes profitability, operational efficiency, and balance sheet strength among publicly traded banks with assets between $500 million and $10 billion.

How many banks received the 2025 Raymond James Community Bankers Cup alongside OptimumBank (OPHC)?

OptimumBank was one of only 20 banks to receive the 2025 Raymond James Community Bankers Cup. According to OptimumBank, the winners were selected from 191 eligible publicly traded community banks that met specific asset and listing criteria.

Why is OptimumBank’s Raymond James Community Bankers Cup recognition important for OPHC investors?

The award highlights OptimumBank’s strong profitability, efficiency, and asset quality compared with peers. According to OptimumBank, it reflects disciplined operations, balance sheet strength, and a focus on long-term value for customers and shareholders, potentially supporting investor confidence in the bank’s performance.

What performance metrics were used to rank OptimumBank for the 2025 Raymond James Community Bankers Cup?

Banks were ranked using six key performance categories. According to OptimumBank, these include return on assets, return on tangible common equity, net interest margin, efficiency ratio, core deposit composition, and asset quality, with the top 10% of institutions receiving recognition.

How unique is OptimumBank’s recognition in the 2025 Raymond James Community Bankers Cup?

OptimumBank was the only Florida institution and one of just two community banks in the Southeast to be honored. According to OptimumBank, it was also one of only four first-time winners disrupting the national rankings.