OptimumBank Holdings, Inc.
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts 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 real es… Read more
OptimumBank Holdings, Inc. - Asset Resilience Ratio
OptimumBank Holdings, Inc. (OPHC) has an Asset Resilience Ratio of 2.27% as of December 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2025)
This chart shows how OptimumBank Holdings, Inc.'s Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
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.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $25.18 Million | 2.27% |
| Total Liquid Assets | $25.18 Million | 2.27% |
Asset Resilience Insights
- Limited Liquidity: OptimumBank Holdings, Inc. maintains only 2.27% 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 |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for OptimumBank Holdings, Inc. (2001–2025)
The table below shows the annual Asset Resilience Ratio data for OptimumBank Holdings, Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 2.27% | $25.18 Million | $1.11 Billion | -0.18pp |
| 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 | -- |