OPHC (OptimumBank Holdings) Total Deposits: $1,214.05 Mil (As of Jun. 2026)

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OPHC OptimumBank Holdings Inc OPHC
41 GF Score
Price $9.17
GF Value $3.72
Valuation Significantly Overvalued
! 6 Warning Signs
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What is OptimumBank Holdings Total Deposits?

OptimumBank Holdings OPHC +0.33% 41 Total Deposits is $1,214.05 Mil as of Jun. 2026. GuruFocus rates OPHC with a GF Score™ of 41/100 and a GF Value™ of $3.72 (Significantly Overvalued). The stock has 6 warning signs investors should review.

OptimumBank Holdings's annual total deposits increased from Dec. 2023 ($639.58 Mil) to Dec. 2024 ($772.20 Mil) and increased from Dec. 2024 ($772.20 Mil) to Dec. 2025 ($931.75 Mil).

OptimumBank Holdings Total Deposits Historical Data

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The historical data trend for OptimumBank Holdings's Total Deposits can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

OptimumBank Holdings Total Deposits Chart

OptimumBank Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Deposits
Get a 7-Day Free Trial Premium Member Only Premium Member Only 292.46 507.90 639.58 772.20 931.75

OptimumBank Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Total Deposits Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 878.87 959.49 931.75 1,092.88 1,214.05
OPHC
41GF Score
OptimumBank Holdings Inc OPHC
Total Deposits is just one metric. See GF Score™, valuation, warning signs, and more.
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OptimumBank Holdings Total Deposits Calculation

Total Deposits that banks' customers have in their accounts. This is an very important source of banks' liquidity.

When banks' customers flood to their banks to take their deposit out, it may be called "Bank Run", which may bring down a bank due to liquidity issues.

Frequently Asked Questions Learn more about Total Deposits →
What does a Total Deposits of $1,214.05 Mil mean?
OptimumBank Holdings (OPHC) has a Total Deposits of $1,214.05 Mil as of Jun. 2026. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for OptimumBank Holdings and its competitors.
Is OptimumBank Holdings' Total Deposits too high?
OptimumBank Holdings' current Total Deposits is $1,214.05 Mil. Overall, OptimumBank Holdings has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OptimumBank Holdings' Total Deposits compare to BORT and UNIB?
OptimumBank Holdings' Total Deposits of $1,214.05 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Deposits for a Banks company?
A good Total Deposits depends on the Banks industry context. However, Total Deposits should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Deposits mean?
A high Total Deposits can signal that a stock is expensive relative to its fundamentals. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for OptimumBank Holdings and its competitors. OptimumBank Holdings's current Total Deposits is $1,214.05 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OptimumBank Holdings stock overvalued right now?
Based on GuruFocus' analysis, OptimumBank Holdings (OPHC) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.72, compared to a current price of $9.17 — trading 146.5% above its estimated fair value. The current Total Deposits is $1,214.05 Mil. OptimumBank Holdings' overall GF Score™ is 41/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Deposits calculated?
Total Deposits is calculated from a company's financial statements. For OptimumBank Holdings (OPHC), the current Total Deposits is $1,214.05 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is OptimumBank Holdings (OPHC) Overvalued in 2026?

Based on GuruFocus' analysis, OptimumBank Holdings stock appears to be overvalued. The current stock price of $9.17 is trading 146.5% above its estimated GF Value™ of $3.72. GuruFocus considers OptimumBank Holdings to be Significantly Overvalued.

Key valuation signals for OPHC:

  • Total Deposits: $1,214.05 Mil
  • GF Value™: $3.72 vs. price of $9.17 (146.5% above fair value)
  • GF Score™: 41/100 with 6 warning signs

No single metric tells the full story. See the OPHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

OptimumBank Holdings Business Description

Address 2929 East Commercial Boulevard, Suite 303, Fort Lauderdale, FL, USA, 33308
OptimumBank Holdings Inc serves as a bank holding company for OptimumBank. The Bank provides community banking services to individuals and corporate customers. The services provided by the bank include demand interest-bearing and non-interest-bearing accounts, negotiable order of withdrawal accounts, borrowings, repayment of loans, money market deposit accounts, debit cards, automated teller machines, and other bank related services.
41GF Score

Get the complete analysis for OPHC

Total Deposits is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.17
Price
$3.72
GF Value