OptimumBank Holdings, Inc. (OPHC) Interest Coverage Ratio (2014 - 2026)
OptimumBank Holdings' Interest Coverage Ratio came in at 2.26 for Q2 2026, up 18.3% from 1.91 a year earlier and up 13.5% from the prior quarter.
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Analysis
OptimumBank Holdings, Inc. (OPHC) Interest Coverage Ratio (2014 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, OptimumBank Holdings reported Interest Coverage Ratio of 2.13, up 15.8% year-over-year; for FY2025, it came in at 2.02, up 18.3% from FY2024.
- Going back by year, Interest Coverage Ratio was 1.71 in FY2024 (+0.4%), 1.70 in FY2023 (-27.1%), 2.33 in FY2022 (-43.3%) and 4.12 in FY2021 (+654.7%).
- The Q2 2026 figure represents the highest quarterly Interest Coverage Ratio since Q2 2022.
- Year-over-year, Interest Coverage Ratio has increased for six consecutive quarters, with growth averaging 12.8% over the last eight quarters.
- The fastest year-over-year change in Interest Coverage Ratio over five years came in Q4 2021 (growth of 199.9%), and the weakest in Q1 2023 (a decline of 72.2%).
- Business Quant data shows OPHC's Interest Coverage Ratio at 1.99 (Q1 2026), 2.16 (Q4 2025) and 2.07 (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 2.26 |
| Mar 31, 2026 | 1.99 |
| Dec 31, 2025 | 2.16 |
| Sep 30, 2025 | 2.07 |
| Jun 30, 2025 | 1.91 |
| Mar 31, 2025 | 1.93 |
| Dec 31, 2024 | 1.83 |
| Sep 30, 2024 | 1.70 |
| Jun 30, 2024 | 1.72 |
| Mar 31, 2024 | 1.56 |
| Dec 31, 2023 | 1.85 |
| Sep 30, 2023 | 1.58 |
| Jun 30, 2023 | 1.68 |
| Mar 31, 2023 | 1.63 |
| Dec 31, 2022 | 1.88 |
| Sep 30, 2022 | 1.76 |
| Jun 30, 2022 | 5.65 |
| Mar 31, 2022 | 5.85 |
| Dec 31, 2021 | 6.15 |
| Sep 30, 2021 | 5.41 |
API Access
OptimumBank Holdings, Inc. Interest Coverage Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=OPHC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "ticker": "OPHC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=OPHC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();