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OptimumBank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.optimumbank.com
954-900-2850
2929 E. Commercial Blvd,
Fort Lauderdale, FL 33308

OptimumBank is headquartered in FORT LAUDERDALE and is the 34th largest bank in the state of Florida. It is also the 1,062nd largest bank in the nation. It was established in 2000 and as of March of 2025, it had grown to 78 employees at 4 locations. OptimumBank has a B health rating.

Reviews

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Health
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #35430
Year Established2000
Employees78
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.77%
Return on Equity - YTD16.25%
Annual Interest Income$15MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$977.2MM$940.4MM
LoansQ1 2025vs Q1 2024$791.2MM$746.4MM
DepositsQ1 2025vs Q1 2024$854.1MM$800.6MM
Equity CapitalQ1 2025vs Q1 2024$107.1MM$82.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$8.3MM$8.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$7.5MM$725K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Sorry, we do not have rate data for OptimumBank.

Locations


OptimumBank Locations
Optimumbank2929 E Commercial BlvdFort Lauderdale, FL 33308
Shoppes Of Hillsboro Shopping Center Branch2215 West Hillsboro BoulevardDeerfield Beach, FL 33442
Galt Ocean Mile Branch2929 E Commercial Blvd Suite 101 And 301Fort Lauderdale, FL 33308

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