OPTIMUMBANK
FORT LAUDERDALE, FLORIDA · FDIC Cert #35430
Capital & Safety Analysis
According to FDIC financial data, OPTIMUMBANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject OPTIMUMBANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
OPTIMUMBANK shows some financial weakness with a Health Score of 40/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
OPTIMUMBANK has a Bank Health Score of D (40/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
OPTIMUMBANK holds $899M in total assets and $763M in total deposits. It is located in FORT LAUDERDALE, FLORIDA (FDIC Certificate #35430).
OPTIMUMBANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.37%, and the return on assets is 2.04%.
Yes. OPTIMUMBANK is FDIC-insured (Certificate #35430). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.