What is the trend in non‑performing loans and charge‑offs compared to the prior quarter and year‑ago periods?

Based on the excerpt you provided, the press release focuses on OptimumBank Holdings’ earnings results for the second quarter of 2025 and the six‑month period ended June 30 2025. It reports net earnings, earnings per share, and a brief comparison to the prior quarter and the same period a year earlier, but it does not include any specific data or commentary on non‑performing loans (NPLs) or charge‑offs.

Because the information you supplied does not contain figures or narrative about:

• The level of non‑performing loans in Q2 2025 versus Q1 2025 or Q2 2024, or
  
• The amount of loan charge‑offs in the same comparative periods,

we cannot determine from this text whether the trend in NPLs and charge‑offs is improving, deteriorating, or remaining stable.

What you can do next

1. Review the full press release – The complete announcement (often linked at the bottom of the GlobeNewswire summary) typically includes a “Credit Quality” or “Asset Quality” section that details changes in non‑performing loans, loan loss provisions, and charge‑offs.
2. Check the Form 10‑Q – For a quarterly filing, the bank’s 10‑Q will contain a detailed schedule of loan classifications, allowances for loan and lease losses, and charge‑off amounts, along with comparisons to prior periods.
3. Visit the investor‑relations website – Companies often provide supplemental tables or slide decks that break out credit‑quality metrics quarter‑over‑quarter and year‑over‑year.

If you can locate the specific numbers or statements about non‑performing loans and charge‑offs from those sources, I’d be happy to help you interpret the trend and its implications for the bank’s financial health.