Answered on the record on 5 November 2026, from the files as they stood that day Went up
OptimumBank Holdings rises furthest of the National Commercial Banks, from 2.2 in the past to 7.2 in the future, with 2 of its 9 metrics SI estimates. A part of the family's 83 graded listings rises end to end, and the 10 below rise most.
How this list was made. A bank is on the list when its three tenses never fall from past to present to future and the future stands more than half a point above the past. The rows are the 10 that rise furthest, the future minus the past, in the family report of 5 November 2026. A rising arc is the record's reading of the company, never a price or a move, and a metric the record cannot read as filed is an SI estimate, named in its row.
- OPHCOptimumBank Holdings, Inc. past 2.2, present 5.4, future 7.2; headline 4.6Its tenses rise from 2.2 in the past to 7.2 in the future. Its strongest future metric read as filed is Growth drivers, at 8.7 of 10; Leadership, a present metric, and Room to expand, a future metric, are SI estimates.
- BCALCalifornia BanCorp past 2.9, present 4.9, future 6.9; headline 4.6Its tenses rise from 2.9 in the past to 6.9 in the future. Its strongest future metric read as filed is Expectations vs reality, at 9.0 of 10.
- SMBKSmartFinancial, Inc. past 2.4, present 5.1, future 6.1; headline 4.3Its tenses rise from 2.4 in the past to 6.1 in the future. Of its 9 metrics, 5 are SI estimates.
- CBNKCapital Bancorp, Inc. past 3.8, present 4.8, future 7.2; headline 5.0Its tenses rise from 3.8 in the past to 7.2 in the future. Its strongest future metric read as filed is Expectations vs reality, at 8.1 of 10.
- PFISPeoples Financial Services Corp. past 3.8, present 4.3, future 7.1; headline 4.8Its tenses rise from 3.8 in the past to 7.1 in the future. Its strongest future metric read as filed is Expectations vs reality, at 8.3 of 10.
- SHBIShore Bancshares Inc past 2.6, present 5.4, future 5.8; headline 4.4Its tenses rise from 2.6 in the past to 5.8 in the future. Its strongest future metric read as filed is Growth drivers, at 6.6 of 10; Leadership, a present metric, is an SI estimate.
- AMTBAmerant Bancorp Inc. past 2.2, present 2.3, future 5.4; headline 3.0Its tenses rise from 2.2 in the past to 5.4 in the future. Its strongest future metric read as filed is Expectations vs reality, at 5.9 of 10.
- LARKLandmark Bancorp Inc. past 3.8, present 4.3, future 6.7; headline 4.7Its tenses rise from 3.8 in the past to 6.7 in the future. Its strongest future metric read as filed is Expectations vs reality, at 7.3 of 10; Room to expand, a future metric, is an SI estimate.
- PNBKPatriot National Bancorp Inc. past 0.4, present 0.5, future 3.1; headline 1.1Its tenses rise from 0.4 in the past to 3.1 in the future. Its strongest future metric read as filed is Room to expand, at 5.1 of 10; Shareholder treatment, a past metric, is an SI estimate.
- CMTVCommunity Bancorp. past 4.2, present 4.4, future 6.8; headline 4.9Its tenses rise from 4.2 in the past to 6.8 in the future. Its strongest future metric read as filed is Room to expand, at 7.6 of 10.
By the desk, an AI model, from the record alone (ruling 162). Every figure is a field of the files named above, matched by value when the answer was staged. Nothing here is advice, and nothing here is a price.
Ask your own question → Every answer