OptimumBank Holdings, Inc. (OPHC) Loans - Loss Allowance (2011 - 2026)
OptimumBank Holdings (OPHC) reported Loans - Loss Allowance of $11.02 million for Q2 2026, up 18.0% from $9.34 million a year earlier but down 0.4% from the prior quarter.
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Analysis
OptimumBank Holdings, Inc. (OPHC) Loans - Loss Allowance (2011 - 2026) Analysis & Trends
At the end of FY2025, OptimumBank Holdings posted Loans - Loss Allowance of $10.27 million, up 18.6% from FY2024.
- Loans - Loss Allowance has increased for five consecutive years, with a five-year compound annual growth rate of 40.1% (FY2020 to FY2025).
- By year, Loans - Loss Allowance came in at $8.66 million in FY2024 (+12.7%), $7.68 million in FY2023 (+32.6%), $5.79 million in FY2022 (+88.4%) and $3.08 million in FY2021 (+61.3%).
- Five-year quarterly Loans - Loss Allowance spans a low of $2.7 million in Q3 2021 and a high of $11.06 million in Q1 2026.
- Year over year, Loans - Loss Allowance has now increased in each of the last five quarters, with growth averaging 16.6% over the last eight quarters.
- The high point for year-over-year Loans - Loss Allowance in five years was Q3 2022 (growth of 93.4%); the low point was Q1 2025 (a decline of 0.1%).
- Per Business Quant data, the three quarters before Q2 2026 came in at $11.06 million (Q1 2026), $10.27 million (Q4 2025) and $10.02 million (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 11.02 Mn |
| Mar 31, 2026 | 11.06 Mn |
| Dec 31, 2025 | 10.27 Mn |
| Sep 30, 2025 | 10.02 Mn |
| Jun 30, 2025 | 9.34 Mn |
| Mar 31, 2025 | 8.27 Mn |
| Dec 31, 2024 | 8.66 Mn |
| Sep 30, 2024 | 8.34 Mn |
| Jun 30, 2024 | 8.21 Mn |
| Mar 31, 2024 | 8.28 Mn |
| Dec 31, 2023 | 7.68 Mn |
| Sep 30, 2023 | 7.20 Mn |
| Jun 30, 2023 | 6.65 Mn |
| Mar 31, 2023 | 6.35 Mn |
| Dec 31, 2022 | 5.79 Mn |
| Sep 30, 2022 | 5.21 Mn |
| Jun 30, 2022 | 4.24 Mn |
| Mar 31, 2022 | 3.41 Mn |
| Dec 31, 2021 | 3.08 Mn |
| Sep 30, 2021 | 2.70 Mn |
API Access
OptimumBank Holdings, Inc. Loans - Loss Allowance 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=loans-loss-allowance&ticker=OPHC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "loans-loss-allowance", "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=loans-loss-allowance&ticker=OPHC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();