Optimumbank is a bank based in Fort Lauderdale, Florida, established in 2000, with $1.3 billion in total assets across 4 branches. By Trust Grade it ranks 14th of 83 banks we track in Florida. Its capital ratio of 9.9% trails most similarly sized banks (42th percentile), versus a Florida median of 9.3%. It was profitable over the most recent period, with a 1.70% return on assets. No consumer complaints against Optimumbank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Optimumbank compares to Florida peers
How we graded Optimumbank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.9% capital ratio)
- Strongly profitable (ROA 1.70%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Optimumbank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 2929 E Commercial Blvd Suite 101 And 301, Fort Lauderdale, FL 33308
- 2201 W Hillsboro Blvd, Deerfield Beach, FL 33442
- 757 Ne 167th Street, North Miami Beach, FL 33162
- 2929 E Commercial Blvd, Fort Lauderdale, FL 33308
Are deposits at Optimumbank insured?
Yes. Optimumbank is an FDIC-insured bank (FDIC certificate #35430). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Optimumbank: frequently asked questions
Is Optimumbank a good bank?
Optimumbank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (9.9% capital ratio); Strongly profitable (ROA 1.70%).
Is Optimumbank FDIC-insured?
Yes. Optimumbank is a FDIC-insured bank (FDIC certificate #35430). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Optimumbank?
Optimumbank holds $1.3 billion in total assets, ranking 14th of 83 banks we track in Florida. It operates 4 branches.
Does Optimumbank have CFPB complaints?
No CFPB complaints against Optimumbank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
