v3.26.1
Regulatory Matters.
 3 Months Ended
Mar. 31, 2026
Regulatory Matters.

(10) Regulatory Matters. The Bank is subject to various regulatory capital requirements administered by the bank regulatory agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of its assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

 

As of March 31, 2026 and December 31, 2025, the Bank met all capital adequacy requirements to which it is subject to. The Bank’s actual capital amounts and percentages are presented in the table below (dollars in thousands):

 

   Actual   To Be Well Capitalized Under Prompt Corrective Action Regulations 
   Amount   %   Amount   % 
As of March 31, 2026:                    
Tier 1 Capital to Total Assets  $130,491    10.74%  $109,311    9.00%
                     
As of December 31, 2025:                    
Tier 1 Capital to Total Assets  $125,467    11.39%  $99,126    9.00%

 

(continued)

 

 

OPTIMUMBANK HOLDINGS, INC. AND SUBSIDIARIES

 

Notes to Condensed Consolidated Financial Statements (Unaudited)