SBA lender profile
OptimumBank
OptimumBank appears in the public SBA loan data with 42 funded 7(a) loans since FY2010, totaling $49.2M, an average of $1.2M per loan, and an estimated 732 jobs supported. Its SBA lending concentrates in Florida and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 0.0%. 38.1% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 79
- Scale 42
- Activity 77
- Consistency 39
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is OptimumBank the right lender for you?
Lenders fund what they know. OptimumBank's SBA lending concentrates in Florida (29 loans) and Accommodation and Food Services (13 loans), at an average loan of $1.2M. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $1.3B
- Headquarters
- Fort Lauderdale, FL
- FDIC cert
- #35430
- Status
- Active
Where OptimumBank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Florida | 29 | $31.2M |
| New Jersey | 1 | $5.0M |
| Texas | 4 | $3.5M |
| Mississippi | 1 | $3.2M |
| Iowa | 1 | $2.8M |
| Vermont | 2 | $1.1M |
What OptimumBank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 13 | $13.0M |
| Health Care and Social Assistance | 5 | $9.4M |
| Construction | 4 | $7.3M |
| Arts, Entertainment, Recreation | 3 | $5.8M |
| Manufacturing | 5 | $5.6M |
| Retail Trade | 5 | $4.5M |
OptimumBank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2023 | 2 | $1.9M |
| 2024 | 15 | $18.8M |
| 2025 | 17 | $12.1M |
| 2026 | 8 | $16.5M |
Related SBA lenders
Other lenders active in Florida or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
OptimumBank: frequently asked questions
Does OptimumBank offer SBA loans?
Yes. OptimumBank appears in the public SBA data with 42 funded SBA 7(a) loans totaling $49.2M.
How many SBA loans has OptimumBank made?
OptimumBank is associated with 42 SBA 7(a) loans totaling $49.2M in the public SBA data (as of 2026-03-31).
What is OptimumBank's SBA charge-off rate?
About 0.0% of OptimumBank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does OptimumBank do most of its SBA lending?
OptimumBank's SBA lending in the data is most concentrated in Florida, and by industry in Accommodation and Food Services.
Is OptimumBank an SBA Preferred Lender (PLP)?
The loan record shows OptimumBank operating under PLP delegated authority: 16 of its 7(a) loans (38.1%) were processed through the Preferred Lenders Program, including 16 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). OptimumBank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/optimumbank/
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