BlastPoint's Banking Scorecard

OptimumBank

$1B-$10B Specialty: Commercial FL FDIC cert 35430

Designations: ✓ Community bank

Fort Lauderdale, FL

4 branches across FL

884 banks in the $1B-$10B peer group nationally 27 in FL

OptimumBank shows strong momentum with 4 strengths and 29.8% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.34% above tier average
+ Net Interest Margin 0.74% above tier average
+ Efficiency Ratio 11.23% below tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when OptimumBank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$1.3B +29.8% YoY +14.1% QoQ	-$1.5B	$2.8B -0.1% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	21%
Total Loans ?	$1.1B +36.3% YoY +13.9% QoQ	-$886.3M	$2.0B +0.6% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$1.1B +28.1% YoY +17.2% QoQ	-$1.2B	$2.3B -0.3% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	1.70% -4.0% YoY -2.8% QoQ	+0.34%	1.37% +19.6% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	4.56% +12.0% YoY +6.3% QoQ	+0.74%	3.82% +6.9% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Top 10.5% in tier
Efficiency Ratio ?	49.83% +3.6% YoY +4.9% QoQ	-11.23%	61.06% -4.6% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	0.20% -78.9% YoY -34.6% QoQ	-0.69%	0.89% +14.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	98.57% +6.4% YoY -2.9% QoQ	+14.37%	84.20% +0.3% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	27.98% +0.9% YoY -2.6% QoQ	+6.69%	21.29% -2.5% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.17% -77.8% YoY -45.2% QoQ	-0.50%	0.67% +15.6% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	10.74% -8.2% YoY -5.7% QoQ	-4.42%	15.16% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Bottom 12.9% in tier
Non-Interest Income / Assets ?	0.14% +12.7% YoY -76.6% QoQ	-0.12%	0.26% +1.6% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	50%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 4.56%

Peer Median: 3.82%

#94 of 884 Top 10.5% in $1B-$10B

176

Return on Assets

profitability

Value: 1.70%

Peer Median: 1.37%

#176 of 884 Top 19.8% in $1B-$10B

182

Non-Interest-Bearing Deposit Share

funding

Value: 27.98%

Peer Median: 21.29%

#182 of 884 Top 20.5% in $1B-$10B

188

Delinquency Rate

credit_quality

Value: 0.20%

Peer Median: 0.89%

#188 of 880 Top 21.2% in $1B-$10B

189

Efficiency Ratio

profitability

Value: 49.83%

Peer Median: 61.06%

#189 of 884 Top 21.3% in $1B-$10B

207

Nonperforming Asset Ratio

credit_quality

Value: 0.17%

Peer Median: 0.67%

#207 of 884 Top 23.3% in $1B-$10B

Top Weaknesses (4 metrics)

771

Tier 1 Capital Ratio

capital

Value: 10.74%

Peer Median: 15.16%

#771 of 884 Bottom 12.9% in $1B-$10B

742

Loan-to-Deposit Ratio

liquidity

Value: 98.57%

Peer Median: 84.20%

#742 of 884 Bottom 16.2% in $1B-$10B

697

Total Assets

size

Value: $1.27B

Peer Median: $2.82B

#697 of 884 Bottom 21.3% in $1B-$10B

684

Total Deposits

size

Value: $1.09B

Peer Median: $2.34B

#684 of 884 Bottom 22.7% in $1B-$10B