Core Insights - OptimumBank Holdings, Inc. reported net earnings of $4.85 million for Q4 2025, an increase from $4.32 million in Q3 2025 and $3.95 million in Q4 2024, driven by improved net interest income and noninterest income [1][15][22]. Financial Performance - Net interest income for Q4 2025 was $11.87 million, up from $11.05 million in Q3 2025 and $9.24 million in Q4 2024, supported by higher loan yields and lower costs on interest-bearing liabilities [5][17]. - Noninterest income decreased to $1.73 million in Q4 2025 from $1.98 million in Q3 2025, primarily due to fewer loan prepayment fees [6][22]. - Total noninterest expenses increased to $6.74 million in Q4 2025, compared to $6.60 million in Q3 2025 and $4.38 million in Q4 2024, reflecting higher employee compensation and marketing expenses [6][23][24]. Balance Sheet Highlights - Total assets grew to $1.11 billion as of December 31, 2025, up from $1.08 billion at September 30, 2025, and $932.93 million at December 31, 2024 [7][26]. - Total gross loans increased to $958.79 million at December 31, 2025, from $813.72 million at September 30, 2025, and $804.24 million at December 31, 2024, driven by growth in commercial and residential real estate [2][29]. - Total deposits decreased to $931.75 million at December 31, 2025, from $959.49 million at September 30, 2025, but increased from $772.20 million at December 31, 2024 [10][34]. Capital and Credit Quality - The allowance for credit losses was $10.27 million, or 1.07% of total loans, as of December 31, 2025, reflecting a well-managed loan portfolio [8][30]. - Nonaccrual loans decreased to $2.90 million at December 31, 2025, from $7.58 million at December 31, 2024, indicating improved asset quality [33]. Strategic Outlook - The Company plans to expand into new financial verticals that complement its banking operations, with a new subsidiary expected to launch in 2026 [5][12].

Summary of OptimumBank Holdings Conference Call Company Overview - **Company Name**: OptimumBank Holdings - **Ticker Symbol**: OPHC - **Founded**: 2000 - **Location**: Fort Lauderdale, South Florida - **Total Assets**: $1.1 billion as of December 31, 2023 [3] - **Market Capitalization**: Approximately $90 million, trading below book value [4] Financial Performance - **Net Earnings**: $16.6 million for 2025, a 27% increase from 2024 [6] - **Earnings Per Share (EPS)**: $0.72, up from $0.63 the previous year [6] - **Return on Equity (ROE)**: GAAP ROE at 14.83%, core ROE at 21.6% [4][34] - **Net Interest Margin (NIM)**: 4.28%, expected to rise further [5][8] - **Loan Portfolio Growth**: Grew nearly 20% in 2025, with expectations of 25%-30% growth in 2026 [10][11] Key Business Highlights - **Loan-to-Deposit Ratio**: Just over 100% [3] - **Gross Loan Portfolio**: Approximately $959 million [3] - **Deposits**: $932 million [3] - **Non-Interest Income**: Increased by 46% from the previous year [6] - **Commercial Real Estate Focus**: Portfolio primarily consists of owner-occupied properties, average loan size around $5 million [9][10] Growth Strategy - **Geographic Expansion**: Plans to expand into the Tampa area and beyond, focusing on where customer relationships exist [23] - **Vertical Integration**: Intent to create sister companies to support the bank, including HUD and bridge lending [24] - **Capital Raising**: Plans to attract new investors to grow the capital base, aiming for $15-20 million to support growth [27] Customer Relationship Management - **Customer Base**: Strong loyalty with a "cult following," leading to organic growth in deposits and loans [10][12] - **Service Approach**: Emphasis on providing a "white glove" service to all customers, regardless of wealth [12] Technology and Innovation - **Technology Upgrades**: Significant investment in technology improvements, with a new product launch expected in March or April 2024 [32][33] Risk Management - **Credit Risk**: No significant bad loans reported; proactive management of borrower relationships to mitigate risks [19][20] - **Economic Resilience**: Strong customer relationships expected to provide stability during economic downturns [38] Future Outlook - **Market Positioning**: Aiming for a market cap of $75 million to facilitate capital raises and increase trading volume [44][46] - **Sustainable Growth**: Focus on controlled and stable growth, with a strong emphasis on customer care [43] Additional Considerations - **Dividend Policy**: Discussions on potential dividends based on shareholder interest, balancing growth needs with shareholder returns [29][30] - **Investor Engagement**: Encouragement for potential investors to engage with the bank and its offerings [46]

Company Overview - OptimumBank Holdings, Inc. released its unaudited results for the year ended December 31, 2025, on January 20, 2026[4]. - The company is listed on the NYSE American under the trading symbol OPHC[3]. - The address of the principal executive offices is located in Ft. Lauderdale, Florida[1]. Financial Reporting - The financial presentation includes key aspects of the company's operations and financial condition[4]. - The report is filed under Form 8-K as per the Securities Exchange Act of 1934[4]. - The report includes a cover page interactive data file embedded within the Inline XBRL document[5]. - The financial statements and exhibits are not deemed "filed" for liability purposes under the Exchange Act[5]. - The report does not provide specific numerical data or performance metrics in the available content[4]. Corporate Governance - The report was signed by Moishe Gubin, Chairman of the Board of Directors[8]. - No emerging growth company status was indicated in the filing[3].

Fort Lauderdale, Florida--(Newsfile Corp. - January 16, 2026) - OptimumBank Holdings, Inc. (NYSE American: OPHC) (the "Company") today announced that it has been invited to present at the Emerging Growth Conference on January 21, 2026.The next Emerging Growth Conference is presenting on January 21, 2026. The live, interactive online event will provide existing shareholders and the investment community with the opportunity to engage directly with the Company's Chairman, Moishe Gubin, in real time.Mr. Gubin ...

Core Viewpoint - OptimumBank has launched a limited-time financing promotion for owner-occupied commercial real estate, offering competitive loan terms to support growing businesses [1][2][3] Group 1: Promotion Details - The promotion allows qualified borrowers to secure up to 80 percent loan-to-value at an interest rate of SOFR plus 2.67 percent, with a one-quarter point fee [1][3] - The promotional pricing is available for loan applications completed and submitted by March 31, 2026 [2][3] Group 2: Eligibility and Requirements - To qualify, the minimum purchase price must be one million dollars, and borrowers must establish deposit relationships with OptimumBank [4] - All loans are subject to credit approval and underwriting guidelines, with additional restrictions potentially applying [4][5] Group 3: Company Background - OptimumBank, founded in 2000 in Ft. Lauderdale, Florida, focuses on service-oriented banking with reasonable fees, aiming to support economic development and community partnerships [6]

Fort Lauderdale, Florida--(Newsfile Corp. - January 5, 2026) - OptimumBank Holdings, Inc. (NYSE American: OPHC) (the "Company") is pleased to provide a year-end update on the successful completion of a comprehensive modernization of its capital structure. This strategic initiative, finalized through a series of coordinated actions by the Company’s largest institutional and insider stakeholders, establishes a transparent and high-performance equity foundation as the Company prepares for its next phase of as ...

FT. LAUDERDALE, Fla., Dec. 09, 2025 (GLOBE NEWSWIRE) -- OptimumBank (NYSE: OPHC) based in Ft. Lauderdale, FL and focused on community and business banking across Florida, announced that Director Michael Blisko, last week, purchased additional shares of Company stock in an open-market transaction. According to a Form 4 filed with the U.S. Securities and Exchange Commission, Mr. Blisko acquired 7,600 shares of OptimumBank common stock on December 4, 2025, at an average price of $4.09 per share, for a total tr ...

Financial Data and Key Metrics Changes - Net earnings for Q3 increased by over $700,000 to approximately $4.3 million compared to roughly $3.6 million in Q2 [5] - Net interest income rose by about $800,000 quarter-over-quarter, from just over $10.2 million to just over $11 million [6] - Core return on average equity (ROE) was approximately 22.6% for the quarter, one of the highest levels among community banks nationwide [8] - Total assets grew by $83.9 million to $1.08 billion as of September 30, 2025 [16] Business Line Data and Key Metrics Changes - Gross loans ended the quarter at $813.7 million, up from $784.6 million last quarter, representing a strong acceleration of loan growth [14] - Total deposits grew to $959.5 million, with $80.6 million in new deposits during Q3 [15] - Non-interest income increased nearly $1.5 million year-over-year, with service charges contributing approximately $3.4 million year-to-date [15] Market Data and Key Metrics Changes - The bank's net interest margin (NIM) for Q3 increased to 4.37%, while year-to-date NIM stands at 4.24% [23] - The allowance for credit losses to loans ratio stands at 1.23%, above the national peer average of 1.17% [16] Company Strategy and Development Direction - The company aims to reinforce its position as a rapidly growing community bank in South Florida while maintaining a relationship-driven culture [19] - The bank is actively searching for mergers and acquisitions to support growth alongside organic expansion [35] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining strong loan growth and profitability, driven by a disciplined approach to lending and cost management [11][12] - The leadership emphasized the importance of community relationships and customer loyalty in driving deposit growth [25][26] Other Important Information - The company celebrated its 25th anniversary, highlighting its growth from a single branch to a $1.1 billion institution [2] - The bank's efficiency ratio remains competitive at 50.7%, well below the peer average of 68.02% [18] Q&A Session Summary Question: What drove the expansion in Q3 NIM, and how does year-to-date performance compare with margin levels going forward? - Management indicated that the expansion was due to older loans at lower interest rates running off and being replaced by newer loans at higher rates [24] Question: What is driving the deposit growth, and how is the deposit mix evolving? - Management noted that a loyal customer base contributes to deposit growth, with a historical mix of one-third non-interest-bearing deposits [25][26] Question: Which loan segments are driving growth, and how do you feel about overall credit risk? - The majority of growth is in commercial real estate, with strong asset quality maintained through high underwriting standards [29] Question: How does management evaluate capital adequacy relative to regulatory requirements and internal targets? - The bank's capital structure is robust, well above regulatory requirements, and management expects capital to remain above 10% [34] Question: How is the bank positioning itself competitively amid regional CRE dynamics and deposit competition? - The bank differentiates itself through strong customer relationships and service, focusing on quality over rate competition [37][38] Question: Can the bank attract New York City depositors given recent events? - Management believes there is potential for growth beyond South Florida, but emphasizes the importance of knowing the customer [41][43]

Financial Data and Key Metrics Changes - Net earnings for Q3 increased by over $700,000 to approximately $4.3 million compared to roughly $3.6 million in Q2 [5] - Net interest income rose by about $800,000 quarter over quarter, from just over $10.2 million to just over $11 million [6] - Pre-tax, pre-provision income reached approximately $17.35 million year to date, representing an annualized run rate of about $23.1 million [7] - Core return on average equity (ROE) was approximately 22.6% for the quarter, one of the highest levels among community banks nationwide [8] - Total assets grew by $83.9 million to $1.08 billion as of September 30, 2025 [16] Business Line Data and Key Metrics Changes - Gross loans ended the quarter at $813.7 million, up from $784.6 million last quarter, representing a strong acceleration of loan growth [14] - Total deposits grew to $959.5 million, with $80.6 million in new deposits during Q3 [15] - Non-interest income increased nearly $1.5 million year over year, with service charges contributing approximately $3.4 million year to date [15] Market Data and Key Metrics Changes - The bank's net interest margin (NIM) for Q3 increased to 4.37%, while year-to-date NIM stands at 4.24% [23] - The allowance for credit losses to loans ratio stands at 1.23%, above the national peer average of 1.17% [16] - Non-performing assets to total assets ratio is at 0.33%, well below the national peer average of 0.56% [16] Company Strategy and Development Direction - The company aims to reinforce its position as one of the most dynamic and rapidly growing community banks in South Florida while maintaining a relationship-driven culture [19] - The bank is actively searching for mergers and acquisitions to support growth alongside organic expansion [35] - The focus remains on utilizing strong capital and a dedicated team to enhance community relationships and operational efficiency [19] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining strong loan growth, particularly in commercial real estate, with $50 million in new loans funded in October [29] - The bank's strategy includes managing funding costs effectively while expanding high-quality loan growth [13] - Management believes that the current political situation in New York will not significantly impact the bank's operations, as the customer base is already established [43] Other Important Information - The bank celebrated its 25th anniversary, highlighting its growth from a single branch to a $1.1 billion institution [2] - The employee base has expanded to close to 100 people from about 73 a year ago, reflecting a culture of momentum and talent [8] Q&A Session Summary Question: What drove the expansion in Q3 NIM, and how does year-to-date performance compare with margin levels going forward? - The expansion in NIM was driven by older loans at lower interest rates running off and newer loans being issued at higher rates [24] Question: What is driving the deposit growth, and how is the deposit mix evolving? - The growth is attributed to a loyal customer base, with about one-third of deposits being non-interest-bearing [25][26] Question: Which loan segments are driving growth, and how do you feel about overall credit risk? - The majority of growth is in commercial real estate, with strong asset quality maintained [29] Question: How does management evaluate capital adequacy relative to regulatory requirements and internal targets? - The bank's capital structure is robust, ending the quarter at 11.71%, well above the community bank leverage ratio requirement [34] Question: How is the bank positioning itself competitively amid regional CRE dynamics and deposit competition? - The bank differentiates itself through a relationship-driven approach and high-quality service, focusing on customer loyalty rather than just rates [37][38] Question: Can the bank attract New York City depositors given recent events? - The bank has opportunities to expand its customer base beyond South Florida, leveraging its strong relationships and service model [41][43]

Financial Data and Key Metrics Changes - Net earnings for Q3 2025 increased by over $700,000 to approximately $4.3 million compared to roughly $3.6 million in Q2 2025 [6][7] - Net interest income rose by about $800,000 quarter over quarter, from just over $10.2 million to just over $11 million [7] - Pre-tax, pre-provision income reached approximately $17.35 million year to date, representing an annualized run rate of about $23.1 million [8][10] - Core return on average equity (ROE) was approximately 22.6% for the quarter, one of the highest levels among community banks nationwide [8] Business Line Data and Key Metrics Changes - Gross loans ended the quarter at $813.7 million, up from $784.6 million last quarter, representing a strong acceleration of loan growth [14] - Total deposits grew to $959.5 million, with $80.6 million in new deposits during Q3 2025 [15][18] - Non-interest income increased nearly $1.5 million year over year, driven by service charges and fees [14][16] Market Data and Key Metrics Changes - Total assets grew by $83.9 million to $1.08 billion as of September 30, 2025 [17][18] - The efficiency ratio remained highly competitive at 50.7%, well below the peer average of 68.02% [19] Company Strategy and Development Direction - The company aims to reinforce its position as one of the most dynamic and rapidly growing community banks in South Florida while maintaining a relationship-driven culture [20][21] - The focus remains on utilizing strong capital and a dedicated team to support growth and expansion [20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining strong loan growth and profitability, emphasizing the importance of community relationships [20][39] - The company is actively searching for mergers and acquisitions to further enhance growth [36] Other Important Information - The company celebrated its 25th anniversary, highlighting its growth from a single branch to a $1.1 billion institution [3][6] - The allowance for credit losses to loans ratio stands at 1.23%, above the national peer average of 1.17% [17] Q&A Session Summary Question: What drove the expansion in Q3 NIM, and how does year-to-date performance compare with margin levels going forward? - The expansion in NIM was driven by older loans running off at lower interest rates and newer loans being issued at higher rates [26] Question: What is driving the deposit growth, and how is the deposit mix evolving? - The growth is attributed to a loyal customer base, with a historical mix of one-third non-interest-bearing deposits [27][28] Question: Which loan segments are driving growth, and how do you feel about overall credit risk? - The majority of growth is in commercial real estate, with strong asset quality maintained [30][31] Question: How does management evaluate capital adequacy relative to regulatory requirements and internal targets? - The company has a robust capital structure, well above regulatory requirements, and is actively seeking growth opportunities [34][36] Question: How is the bank positioning itself competitively amid regional CRE dynamics and deposit competition? - The bank differentiates itself through strong customer relationships and service quality rather than competing solely on rates [38][39] Question: Can the bank attract New York City depositors given recent events? - The bank's customer base is not limited to South Florida, and there are opportunities to expand beyond current markets [42][44]