Institution profile

OptimumBank

Bank · Active · Headquarters: Fort Lauderdale, FL

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name: OptimumBank
Display name: OptimumBank
Institution status: Active
FDIC insured: Yes
FDIC insured since: November 1, 2000
Established date: November 1, 2000
Charter class: State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator: Federal Deposit Insurance Corporation
Headquarters: Fort Lauderdale, FL, 33308, United States
Website: https://www.optimumbank.com
FDIC certificate number: 35430
Federal Reserve RSSD ID: 2953418
Domestic location count: 4
Source observed: August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status: ACTIVE
Primary federal regulator: FDIC
Institution type: Non-member Bank
Primary activity: NAICS 52211
FDIC certificate: 35430
Federal Reserve RSSD ID: 2953418
Headquarters: 2929 East Commercial Boulevard, Fort Lauderdale, FL, 33308, United States
Primary deposit insurer: Deposit Insurance Fund (DIF)
Source observed: August 19, 2026

Branch network

Listed locations

Showing 1 through 2 of 2 listed locations

StateCity or branch

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Showing 1 through 2 of 2 FFIEC NIC branch locations
Branch	Address	City	State	Postal code
DEERFIELD BEACH BRANCH OFFICE	2201 West Hillsboro Blvd	Deerfield Beach	FL	33442
NORTH MIAMI BEACH OFFICE	757 NE 167th Street	North Miami Beach	FL	33162

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating: Satisfactory
Exam date: September 1, 2024
Regulator: FDIC
Examination method: Intermediate Small Bank

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

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Historical CRA evaluations
Exam date	CRA rating	Regulator	Examination method
September 1, 2024	Satisfactory	FDIC	Intermediate Small Bank
October 1, 2018	Satisfactory	FDIC	Small Bank
August 1, 2013	Satisfactory	FDIC	Small Bank
May 5, 2008	Satisfactory	FDIC	Small Bank
May 5, 2003	Satisfactory	FDIC	Small Bank

Read the methodology

FFIEC-reported organizational relationships

1 FFIEC NIC relationship record

Showing 1 of 1 relationship records

FFIEC NIC organizational relationships
Relationship	Institution	Type	Location
ROOT_INSTITUTION	OPTIMUMBANK	Non-member Bank	Fort Lauderdale, FL

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type: FDIC-insured state-chartered nonmember bank