OptimumBank Holdings, Inc. Asset Resilience Ratio
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. See OPHC defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of OptimumBank Holdings, Inc. (2001–2024)
Asset resilience ratio of OptimumBank Holdings, Inc. from 2001 to 2024. This chart shows how OptimumBank Holdings, Inc.'s Asset Resilience Ratio has changed over time. Read OPHC current and long-term liabilities for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see total assets of OptimumBank Holdings, Inc..
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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
OptimumBank Holdings, Inc. Asset Resilience Ratio by Year (2001–2024)
OptimumBank Holdings, Inc. asset resilience ratio by year from 2001 to 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