OptimumBank
✓ FDIC-insured · Active FDIC Certificate #35430
OptimumBank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Fort Lauderdale, Florida, established in 2000. As of the 06/30/2026 FDIC call report, it reported $1.4B in total assets and $1.2B in deposits. FDIC location data lists 4 offices in Florida. The FDIC classifies it as a community bank. It is owned by the holding company OPTIMUMBANK HOLDINGS INC (Fort Lauderdale, FL).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 4 of OptimumBank's FDIC-listed offices are in Florida. Browse banks in Fort Lauderdale for other local options.
Branch locations
| OptimumBank Ft Lauderdale Branch · Full Service - Brick And Mortar | 2929 E Commercial Blvd Fort Lauderdale, FL 33308 Map ↗ |
| OptimumBank Deerfield Beach Branch · Full Service - Brick And Mortar | 2201 W Hillsboro Blvd Deerfield Beach, FL 33442 Map ↗ |
| OptimumBank North Miami Beach Branch · Full Service - Brick And Mortar | 757 Ne 167th Street North Miami Beach, FL 33162 Map ↗ |
| OptimumBank Optimumbank · Limited Service - Administrative | 2929 E Commercial Blvd Fort Lauderdale, FL 33308 Map ↗ |
Holding company: OPTIMUMBANK HOLDINGS INC
The FDIC lists OPTIMUMBANK HOLDINGS INC, based in Fort Lauderdale, FL, as the top holding company for OptimumBank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Florida
Active FDIC-insured banks headquartered in Florida with total assets closest to OptimumBank's $1.4B. See all banks in Florida.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| International Finance Bank | Miami | $1.6B | 3 |
| Pacific National Bank | Miami | $1.6B | 8 |
| Citizens Bank and Trust | Frostproof | $1.5B | 17 |
| Grove Bank & Trust | Miami | $1.4B | 5 |
| Bank of Central Florida | Lakeland | $1.2B | 6 |
| Helm Bank USA | Miami | $1.2B | 2 |
| First State Bank | Key West | $1.2B | 9 |
| BayFirst National Bank | Saint Petersburg | $1.1B | 12 |
OptimumBank: common questions
Is OptimumBank FDIC-insured?
Yes. OptimumBank is an active FDIC-insured institution, FDIC Certificate #35430. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is OptimumBank headquartered?
OptimumBank is headquartered at 2929 E Commercial Blvd, Fort Lauderdale, FL 33308, according to FDIC records.
How many branches does OptimumBank have?
FDIC location data lists 4 offices for OptimumBank, all in Florida.
Who owns OptimumBank?
The FDIC lists OPTIMUMBANK HOLDINGS INC of Fort Lauderdale, FL as the top holding company for OptimumBank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.