OptimumBank
Community bank providing traditional in-person banking services for businesses and consumers in South Florida. Founded in 1999, serves Fort Lauderdale, North Miami Beach, and Deerfield Beach with comprehensive financial solutions.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (14 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
OptimumBank ranks #96 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of OptimumBank’s 7(a) acquisition lending falls in the $1M-$2M range: 5 loans, 35.7% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 1 | 7.1% | |
| $500K-$1M | 3 | 21.4% | |
| $1M-$2M | 5 | 35.7% | |
| $2M-$3M | 3 | 21.4% | |
| $3M-$4M | 1 | 7.1% | |
| $4M-$5M | 1 | 7.1% |
Industries with highest loan volume
Janitorial Services
2
loans
$660K
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
2
loans
$2.9M
avg. amount
Home and Garden Equipment Repair and Maintenance
1
loans
$1.5M
avg. amount
Offices of Dentists
1
loans
$1.2M
avg. amount
General Automotive Repair
1
loans
$970K
avg. amount
Other Building Finishing Contractors
1
loans
$1.3M
avg. amount
Nursing Care Facilities (Skilled Nursing Facilities)
1
loans
$5.0M
avg. amount
Jewelry Retailers
1
loans
$1.6M
avg. amount
Snack and Nonalcoholic Beverage Bars
1
loans
$1.4M
avg. amount
Child Care Services
1
loans
$992K
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
OptimumBank’s median variable rate is + 2.88%, against a market median of Prime + 1.88%, 100 above market.
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.75% |
| $500K-$1M | Prime + 2.75% |
| $1M-$2M | Prime + 3.00% |
| $2M-$3M | Prime + 2.83% |
| $3M-$4M | Prime + 2.75% |
| $4M-$5M | Prime + 3.00% |
OptimumBank has originated 7(a) acquisition loans in 4 states, most actively in Florida (11), Mississippi (1) and Iowa (1). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Florida | 11 | 78.6% |
| Mississippi | 1 | 7.1% |
| Iowa | 1 | 7.1% |
| Illinois | 1 | 7.1% |
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