OptimumBank Holdings, Inc. - Asset Resilience Ratio
OptimumBank Holdings, Inc. (OPHC) has an Asset Resilience Ratio of 2.12% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check OptimumBank Holdings, Inc. (OPHC) strategic investment index to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2024)
This chart shows how OptimumBank Holdings, Inc.'s Asset Resilience Ratio has changed over time. See OptimumBank Holdings, Inc. net asset quality index to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down OptimumBank Holdings, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see OptimumBank Holdings, Inc. (OPHC) total market value.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $22.93 Million | 2.12% |
| Total Liquid Assets | $22.93 Million | 2.12% |
Asset Resilience Insights
- Limited Liquidity: OptimumBank Holdings, Inc. maintains only 2.12% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
OptimumBank Holdings, Inc. Industry Peers by Asset Resilience Ratio
Compare OptimumBank Holdings, Inc.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
Annual Asset Resilience Ratio for OptimumBank Holdings, Inc. (2001–2024)
The table below shows the annual Asset Resilience Ratio data for OptimumBank Holdings, Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 2.44% | $22.77 Million | $932.93 Million | -0.64pp |
| 2023-12-31 | 3.08% | $24.36 Million | $791.25 Million | -1.21pp |
| 2022-12-31 | 4.29% | $25.10 Million | $585.22 Million | -5.49pp |
| 2021-12-31 | 9.77% | $34.39 Million | $351.88 Million | +1.74pp |
| 2020-12-31 | 8.04% | $18.89 Million | $235.11 Million | +3.77pp |
| 2019-12-31 | 4.27% | $5.41 Million | $126.75 Million | +1.92pp |
| 2018-12-31 | 2.35% | $2.36 Million | $100.37 Million | -9.58pp |
| 2017-12-31 | 11.93% | $11.44 Million | $95.87 Million | -4.96pp |
| 2016-12-31 | 16.89% | $20.22 Million | $119.70 Million | -3.31pp |
| 2015-12-31 | 20.20% | $25.75 Million | $127.48 Million | -1.28pp |
| 2014-12-31 | 21.48% | $26.75 Million | $124.53 Million | +3.63pp |
| 2013-12-31 | 17.85% | $22.99 Million | $128.78 Million | +4.88pp |
| 2012-12-31 | 12.97% | $18.65 Million | $143.74 Million | -5.74pp |
| 2011-12-31 | 18.71% | $28.91 Million | $154.47 Million | +11.70pp |
| 2010-12-31 | 7.01% | $13.34 Million | $190.31 Million | -6.04pp |
| 2009-12-31 | 13.05% | $35.23 Million | $269.96 Million | +12.17pp |
| 2008-12-31 | 0.88% | $2.24 Million | $255.74 Million | +0.78pp |
| 2007-12-31 | 0.09% | $226.00K | $241.55 Million | -0.21pp |
| 2006-12-31 | 0.30% | $681.00K | $225.70 Million | -0.01pp |
| 2005-12-31 | 0.32% | $652.00K | $206.04 Million | -1.41pp |
| 2004-12-31 | 1.73% | $2.84 Million | $164.56 Million | +1.57pp |
| 2003-12-31 | 0.15% | $208.00K | $135.18 Million | -3.64pp |
| 2002-12-31 | 3.79% | $2.86 Million | $75.28 Million | -5.60pp |
| 2001-12-31 | 9.40% | $3.83 Million | $40.80 Million | -- |
About OptimumBank Holdings, Inc.
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. The company accepts demand interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family re… Read more