OptimumBank Holdings, Inc. reported record second-quarter 2026 net income of $6.7 million, or 40 cents per basic share and 28 cents per diluted share, with first-half 2026 net income of $11.3 million as loan growth and deposits expanded. The bank’s net interest income rose to $14.7 million and net interest margin climbed to 4.57%, while total assets reached about $1.4 billion and loans and deposits each stood around $1.2 billion. Return metrics improved meaningfully, with return on average assets at 2.04% and return on average equity at 20.34%. Management highlighted solid credit quality, a modest credit loss reversal, and higher noninterest income of $2.5 million alongside noninterest expenses of $8.4 million, driven by higher compensation costs. A leadership transition occurred effective May 1, 2026, with Moishe Gubin becoming CEO, Braden R. Smith named president, and former CEO Timothy Terry retiring but remaining involved in succession. The company also advanced strategic growth initiatives, including OptimumFinance, LLC, and reiterated plans to webcast the quarterly results on August 13, 2026.