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. Read OptimumBank Holdings, Inc. (OPHC) total liabilities for a breakdown of total debt and financial obligations.
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 shareholders equity of OptimumBank Holdings, Inc. for net asset value and shareholders' equity analysis.
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 |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
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