Unverified listing What this means

The Lender Report built this page from public records. OptimumBank has not reviewed it. Every lender's page starts this way, and it says nothing about OptimumBank itself. Each figure shows its source and date. Work at OptimumBank? You can claim this page for free.

Bank, Fort Lauderdale, FL

OptimumBank

A bank based in Fort Lauderdale, FL. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent SBA 7(a) loans it made.

Kind: Bank
Data as of: June 30, 2026
Page last changed: November 12, 2026

Commercial book: $1.04B; FDIC call report, Jun 30, 2026; Holds, not loans made
Multifamily loans made, 2025: Not reported; HMDA, 2025; HMDA, 5 or more units
SBA loans, 36 months: 45; SBA FOIA, Sep 30, 2026; 7(a) and 504, net of cancelled
Total assets: $1.39B; FDIC call report, Jun 30, 2026

Its recorded loans How to reach them Report an error

Does it fit my deal?

The deal is read here and kept nowhere. Leave out names, income and credit scores.

How to reach them

Each line shows where it came from

Phone: 954-900-2800 From the lender's website, retrieved November 11, 2026. Source page
Website: www.optimumbank.comFrom the FDIC record, November 9, 2026.
Commercial lending page: optimumbank.comFrom the lender's website, retrieved November 11, 2026.
Address: 2929 E Commercial Blvd, Fort Lauderdale, FL 33308FDIC institution record, Nov 9, 2026
Regulator record: FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. OptimumBank's Owner-occupied CRE balance rose 28.4% to $290.1M in the quarter ended June 30, 2026. FDIC call reports, Jun 30, 2026

What the public record shows, newest first
When	What the record shows	Source
Last 24 months	Office changes in the last 24 months: 0 opened, 0 closed, 1 relocated.FDIC structure history.	FDIC history
Oct 2023 to Sep 2026	SBA 7(a) approvals by processing method: 22 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations.	SBA FOIA, Sep 30, 2026
Jun 2025 to Jun 2026	Non-owner-occupied CRE balance rose 94.5% to $594.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	FDIC call report
Jun 2025 to Jun 2026	Owner-occupied CRE balance rose 68.8% to $290.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	FDIC call report
Jun 2025 to Jun 2026	Unused commitments on commercial real estate rose 190.1% to $70.7M in the year to June 30, 2026.Call report commitments. Not a measure of new lending.	FDIC call report
2023-10 to 2026-09	Named as the lender on 8 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias	NYC ACRIS recorded mortgages

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

OptimumBankNewest first
Period	Place	Loan	Amount	Rate	Term	Source
Aug 2026	Puerto Rico	SBA 7(a), Health Care and Social Assistance	$2M	9.5%	10 yr	SBA FOIA
Jun 2026	Florida	SBA 7(a), Landscaping Services	$1.3M	9.5%	10 yr	SBA FOIA
Jun 2026	Florida	SBA 7(a), Commercial and Institutional Building Construction	$1.1M	9.5%	10 yr	SBA FOIA
Jun 2026	Georgia	SBA 7(a), Offices of Mental Health Practitioners (except Physicians)	$340K	9.5%	25 yr	SBA FOIA
May 2026	Florida	SBA 7(a), Home and Garden Equipment Repair and Maintenance	$1.5M	9.5%	25 yr	SBA FOIA
May 2026	Florida	SBA 7(a), Child Care Services	$990K	9.25%	25 yr	SBA FOIA
Apr 2026	Florida	SBA 7(a), Janitorial Services	$420K	9.5%	10 yr	SBA FOIA
Mar 2026	Florida	SBA 7(a), General Automotive Repair	$970K	9.75%	17 yr	SBA FOIA
Mar 2026	Florida	SBA 7(a), Janitorial Services	$900K	9.5%	14 yr	SBA FOIA
Jan 2026	Illinois	SBA 7(a), Health Care and Social Assistance	$5M	9.75%	25 yr	SBA FOIA
Jan 2026	Florida	SBA 7(a), Limited-Service Restaurants	$360K	9.25%	10 yr	SBA FOIA
Dec 2025	Texas	SBA 7(a), Other Building Finishing Contractors	$300K	10%	10 yr	SBA FOIA
Nov 2025	Florida	SBA 7(a), Manufacturing	$5M	10%	26 yr	SBA FOIA
Nov 2025	Florida	SBA 7(a), Offices of Physicians (except Mental Health Specialists)	$2.6M	9.5%	15 yr	SBA FOIA
Sep 2025	Florida	SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors	$2.6M	10%	10 yr	SBA FOIA
Sep 2025	Indiana	SBA 7(a), Snack and Nonalcoholic Beverage Bars	$600K	10.25%	10 yr	SBA FOIA
Aug 2025	North Carolina	SBA 7(a), Offices of Other Holding Companies	$690K	10.5%	10 yr	SBA FOIA
Aug 2025	Florida	SBA 7(a), Offices of Lawyers	$300K	10.5%	10 yr	SBA FOIA
Jul 2025	Illinois	SBA 7(a), Offices of Mental Health Practitioners (except Physicians)	$280K	10.25%	10 yr	SBA FOIA
Jul 2025	Florida	SBA 7(a), Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers	$150K	10.5%	10 yr	SBA FOIA
Jun 2025	Florida	SBA 7(a), All Other Miscellaneous Retailers	$150K	10.5%	10 yr	SBA FOIA
May 2025	Florida	SBA 7(a), Other Building Finishing Contractors	$1.3M	10.25%	13 yr	SBA FOIA
May 2025	Florida	SBA 7(a), Agents and Managers for Artists, Athletes, Entertainers, and Other Public Figures	$680K	10.5%	10 yr	SBA FOIA
Apr 2025	North Dakota	SBA 7(a), Limited-Service Restaurants	$980K	10.25%	10 yr	SBA FOIA
Apr 2025	Florida	SBA 7(a), Paint and Coating Manufacturing	$150K	10.5%	10 yr	SBA FOIA
45 SBA 7(a) loans since October 2023, net of cancelled			$52.4M	SBA FOIA

A blank means the source did not report it.

Recorded mortgages, New York City

NYC ACRIS, September 30, 2026

Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.

8 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name OptimumBank as the lender, totaling $13.4M.
7 of them were recorded in the latest 12 months of that window.

Recorded mortgages by property class
Property class	Mortgages	Dollars
Hotel	2	$1.00M
Multifamily	2	$5.20M
Office	2	$3.40M
Other	2	$3.80M

NYC ACRIS recorded mortgages, Sep 30, 2026

Recorded mortgages by borough
Borough	Mortgages
Brooklyn	3
Bronx	2
Queens	2
Manhattan	1

NYC ACRIS recorded mortgages, Sep 30, 2026

How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
Book	Holds	Of its loans	Year over year
Multifamily	$52.5M	4.4%	-23.1%
Construction and land development	$46.1M	3.8%	-21.2%
Owner-occupied CRE	$290M	24.1%	+68.8%
Non-owner-occupied CRE	$595M	49.5%	+94.5%
Farmland	$4.64M	0.4%	+101.4%
Commercial and industrial	$51.8M	4.3%	+1.5%
Commercial total	$1.04B

FDIC call report, Jun 30, 2026

Reference only: $160M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table

Commercial book by quarter
Quarter	Commercial book
Q3 2023	$481M
Q4 2023	$563M
Q1 2024	$643M
Q2 2024	$649M
Q3 2024	$654M
Q4 2024	$680M
Q1 2025	$676M
Q2 2025	$657M
Q3 2025	$681M
Q4 2025	$815M
Q1 2026	$940M
Q2 2026	$1.04B

FDIC call reports, Jun 30, 2026

Loans on record, by kind
Kind of loan	Period	Loans made	Dollars	Typical size	Largest	Source
SBA 7(a), net of cancelled	36 months to Sep 2026	45	$52.4M	$877K	$5M	SBA FOIA, Sep 30, 2026
SBA 7(a), net of cancelled	12 months to Sep 2026	14	$22.8M			SBA FOIA, Sep 30, 2026

How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number.

SBA loans by industry, 36 months
Industry	Loans	Dollars
Limited-Service Restaurants	5	$5.17M

SBA FOIA, Sep 30, 2026

Other lenders in these fields: SBA lenders for restaurants.

Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).

Undrawn commitments

FFIEC Call Report, June 30, 2026

OptimumBank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $70,708,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $17,090,000. These are credit lines not yet used.

FFIEC Call Report, Jun 30, 2026

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amount	Loans	Holds
$100,000 or less	5	$313K
Over $100,000 up to $250,000	9	$264K
Over $250,000 up to $1 million	33	$8.60M

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, Jun 30, 2026

Loans secured by nonfarm nonresidential property, by original amount
Original amount	Loans	Holds
$100,000 or less	1	$34.0K
Over $100,000 up to $250,000	2	$229K
Over $250,000 up to $1 million	33	$23.3M

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, Jun 30, 2026

Where it lends

Offices beside loans on record

Offices and recorded loans by state
State	Offices	SBA 7(a) 36 mo.
Florida HQ	4	31
Texas	0	3
Illinois	0	2
Vermont	0	2
Georgia	0	1
Iowa	0	1
Indiana	0	1
Mississippi	0	1
North Carolina	0	1
North Dakota	0	1
Puerto Rico	0	1

FDIC office list, Oct 28, 2026HMDA, 2025SBA FOIA, Sep 30, 2026

Offices by county

FDIC Summary of Deposits, June 30, 2026

OptimumBank has 3 offices in 2 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 3 full service and 0 limited service.

Counties with the most offices
County	Full-service offices	Limited-service offices
Broward County, FL	2	0
Miami-Dade County, FL	1	0

FDIC Summary of Deposits, Jun 30, 2026

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
Measure	This lender	Its peers	How it is worked out	Source
Estimated largest single loan	$22.3M	$10.2M to $41.4M across 8 peers	Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.	FDIC call report, Jun 30, 2026 12 CFR 32.3, Jun 30, 2026
CRE to capital	466.6%	164.5% to 356.3% across 8 peers	(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.	FDIC call report, Jun 30, 2026
Construction to capital	31.0%	10.4% to 81.8% across 8 peers	Construction loans divided by tier 1 capital plus allowance.	FDIC call report, Jun 30, 2026
Loans to deposits	98.8%	61.1% to 84.5% across 8 peers	Total loans divided by total deposits.	FDIC call report, Jun 30, 2026
Unused CRE commitments	$70.7M	$17.1M to $92.7M across 8 peers	Commitments to lend on commercial real estate that are not yet drawn, up 190.1% from a year earlier.	FDIC call report, Jun 30, 2026
Loans to assets	86.7%	55.7% to 75.8% across 8 peers	Total loans divided by total assets.	FDIC call report, Jun 30, 2026

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

Preferred Lender authority: 22 loans (48.9%)
Approval to first disbursement: 31 days, median of 43

SBA FOIA, Sep 30, 2026 SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
Lender	State	Total assets	Commercial book
First State Bank	FL	$1.18B	$590M
Pacific National Bank	FL	$1.61B	$807M
Crews Bank & Trust	FL	$2.33B	$869M
Bank of Central Florida	FL	$1.25B	$647M
Citizens Bank and Trust	FL	$1.48B	$518M
Florida Capital Bank, National Association	FL	$713M	$274M
United Southern Bank	FL	$843M	$275M
Anchor Bank	FL	$806M	$330M

FDIC call report, Jun 30, 2026

Compare these lenders side by side

What we don't know

Whether it is taking new loans today, or on what terms.
How much of its book it made recently. Call reports carry balances, not loans made.
Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
How its 1-4 family loans divide between owner-occupied and investor.
Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
Whether it takes brokers. No figure here means no evidence, not a refusal.

Check this page

Against the regulator's own record

Name and charter. OptimumBank, FDIC certificate 35430. Compare it with the regulator's record. [FDIC BankFind]
Balances. $1.39B in total assets and $1.04B in commercial loans held, from the call report for June 30, 2026. [Source]
Loans made. 45 recorded loans from SBA files, through September 30, 2026: 45 SBA 7(a) in 36 months. Each has its source and date. [How each file was tied to OptimumBank]
Phone and website. Phone 954-900-2800, from the lender's website on November 11, 2026. Website optimumbank.com, from the FDIC record. [How to reach them]
Recorded mortgages, New York City. 8 recorded mortgages in New York City under this name. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator: FDIC
FDIC certificate: 35430
RSSD: 2953418
The Lender Report ID: lr_001180

FDIC classifies this bank as: Commercial Lending Specialization
Ownership: Stock
Head office metro area: Miami-Fort Lauderdale-Pompano Beach, FL

FDIC institution record, Nov 9, 2026 The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

Reported $1.4B in total assets as of June 30, 2026 (FDIC call report).
Held $1B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
Held $594.5M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 94.5% from a year earlier (FDIC call report).
Held $290.1M of owner-occupied commercial real estate loans as of June 30, 2026, up 68.8% from a year earlier (FDIC call report).
Held $52.5M of multifamily loans as of June 30, 2026 (FDIC call report).
Recorded 47 SBA 7(a) approvals totaling $55M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).

5 more sentences

Listed 4 offices in 1 state (FDIC).
Held 47 commercial and industrial loans that were $1 million or less when made, with a balance of $9.2M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
Held 36 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $23.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $70.7M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Named as the lender on 8 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $13.4M (NYC Department of Finance, ACRIS).

Cite this

Source: The Lender Report, OptimumBank, https://lender.report/lender/optimumbank-fl/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.

We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.

Work at OptimumBank? Claim this page, free.

Call 954-900-2800 Website

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem