2 South Florida banks below “well-capitalized” in Q1

South Florida-based banks did better as a whole in the first quarter of the year, reducing the number of institutions below “well-capitalized” to two, down from four in the fourth quarter of 2014. Plantation-based OptimumBank is still short of its capital goals and as a result remained “adequately capitalized.” OptimumBank reported a tier 1 risk-based capital ratio of 9.14 percent and a total risk-based capital ratio of 10.40 percent in the first quarter. The bank is required by regulators…