OptimumBank Holdings, Inc. (NYSE: OPHC)

OptimumBank Holdings, Inc. is a bank holding company whose sole business is the ownership and operation of OptimumBank, a state chartered commercial bank. The bank provides a full range of deposit and lending products to individuals and businesses through its headquarters and three branch offices located in Broward and Miami Dade counties, Florida. It is subject to oversight by the Federal Reserve, the Florida Office of Financial Regulation and the FDIC, and participates in the Federal Home Loan Bank system. As of December 31, 2025 the company reported total assets of $1.1 billion, net loans of $947.3 million, total deposits of $931.8 million and stockholders’ equity of $121.9 million.

The bank’s revenue comes primarily from interest earned on its loan portfolio, which includes commercial real estate, residential real estate, consumer and small business loans, and from interest on securities and short term investments. Additional income is generated through service charges on deposit accounts, fees from cash management and treasury services, and fees related to debit card and ATM usage. The bank also earns non interest income from its participation in the IntraFi network, which provides expanded FDIC insured deposit capabilities, and from fees associated with merchant cash advance processing and related ACH services. Funding for lending activities is derived mainly from customer deposits, borrowings and the repayment or maturity of securities.

OptimumBank operates in a highly competitive banking landscape that includes large national banks, regional banks, credit unions and finance companies. Its competitive advantage stems from a focus on relationship based banking, specialized lending niches such as senior housing and skilled nursing facility financing, and its ability to provide personalized service through a limited branch network. The bank has also built expertise in merchant cash advance treasury management, which generates low cost deposits and fee income. These strategies help it differentiate from larger competitors that rely primarily on scale and broad product arrays.

The bank serves a diverse mix of individual consumers, small and medium sized businesses, and corporate clients across South Florida. Notable segments of its loan portfolio include owners of multifamily properties, healthcare providers such as skilled nursing facility operators, and merchants that rely on cash advance financing. Deposit customers consist of retail households, commercial enterprises and institutional entities that benefit from the bank’s cash management services and its participation in the IntraFi network for enhanced FDIC insurance.