Fort Lauderdale, Florida--(Newsfile Corp. - January 9, 2026) - OptimumBank, Member FDIC (NYSE American: OPHC), today announced the launch of a limited-time Owner-Occupied Commercial Real Estate financing promotion for the first quarter of 2026, offering qualified borrowers up to 80 percent loan-to-value at a rate of SOFR plus 2.67 percent with a one-quarter point fee.The promotion is designed to support growing businesses seeking competitive financing solutions for owner-occupied commercial real estate, wh ...

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]

Core Insights - OptimumBank Holdings, Inc. reported net earnings of $4.32 million for Q3 2025, an increase from $3.60 million in Q2 2025 and $3.30 million in Q3 2024, driven by improved net interest income and noninterest income [1][11][18] Financial Performance - Net interest income rose to $11.05 million in Q3 2025, up from $10.24 million in Q2 2025 and $8.96 million in Q3 2024, supported by higher yields on loans and lower costs on interest-bearing liabilities [4][14] - Noninterest income increased to $1.98 million in Q3 2025, compared to $1.83 million in Q2 2025 and $1.12 million in Q3 2024, driven by service charges and fee-based revenue [5][18] - Total deposits grew by $80.62 million to $959.49 million from Q2 2025, representing a 9.17% increase quarter-over-quarter and an 18.97% increase year-over-year [2][30] - Total assets reached $1.08 billion as of September 30, 2025, up from $999.13 million at June 30, 2025, reflecting a quarter-over-quarter increase of $83.92 million [22] Loan Portfolio and Credit Quality - The gross loan portfolio increased by $29.16 million to $813.72 million in Q3 2025, with growth in commercial real estate and consumer loans [2][25] - Credit loss expense decreased to $0.76 million in Q3 2025, down from $1.04 million in Q2 2025, indicating effective management of the loan portfolio [6][17] - The allowance for credit losses stood at $10.02 million, or 1.23% of total loans, reflecting a well-managed credit risk profile [26] Capital and Efficiency - Total stockholders' equity increased to $116.89 million as of September 30, 2025, up from $111.35 million at June 30, 2025, driven by retained earnings [32] - The efficiency ratio was maintained at 50.68%, indicating prudent cost management amid growth [5][19] Market Position and Outlook - The company continues to invest in technology and talent, reinforcing its position as a rapidly growing community bank in South Florida [9] - The outlook remains positive, with expectations for continued growth and earnings momentum through the remainder of 2025 [9]

Financial Performance - Total assets increased by approximately $150.1 million to $1.08 billion at September 30, 2025, from $932.9 million at December 31, 2024[107] - Net loans increased by $7.8 million to $802.8 million at September 30, 2025, from $795.0 million at December 31, 2024[107] - Deposits grew by approximately $187.3 million to $959.5 million at September 30, 2025, from $772.2 million at December 31, 2024[107] - Return on average assets increased to 1.6% for the nine months ended September 30, 2025, compared to 1.4% for the previous year[108] - Return on average equity increased to 14.3% for the nine months ended September 30, 2025, compared to 7.3% for the previous year[108] - Net earnings for the three months ended September 30, 2025, were $4.3 million, an increase of 31% compared to $3.3 million for the same period in 2024[123] - For the nine months ended September 30, 2025, net earnings were $11.8 million, a 29% increase from $9.2 million in 2024[131] Income and Expenses - Net interest income for the three months ended September 30, 2025, was $11.048 million, compared to $8.962 million for the same period in 2024[116] - Total interest income increased to $16.3 million for the three months ended September 30, 2025, up 6% from $15.3 million in 2024, primarily due to higher average balances of interest-earning assets[124] - Total interest expense decreased by $1.1 million to $5.3 million for the three months ended September 30, 2025, a reduction of 17% compared to $6.4 million in 2024[125] - Total noninterest income for the three months ended September 30, 2025, was $2.0 million, an increase of 78% from $1.1 million in 2024, driven by higher wire transfer and ACH fees[127] - Total noninterest expenses increased to $18.4 million for the nine months ended September 30, 2025, compared to $15.1 million in 2024, primarily due to employee compensation and benefits[136] Credit and Allowance - Credit loss expense was recorded at $0.76 million for the three months ended September 30, 2025, compared to $0.36 million in 2024, indicating a 114% increase[126] - The allowance for credit losses totaled $10.0 million or 1.23% of loans outstanding at September 30, 2025, compared to $8.7 million or 1.08% at December 31, 2024[134] Strategic Initiatives - The company plans to upgrade its core banking system in 2025, including online and mobile banking applications[101] - The company entered the Small Business Administration (SBA) lending space in late 2023 and was designated as a Preferred Lender in Q1 2025[102] - The company is investing $10 million in research and development for new technologies aimed at enhancing user experience[153] - The company is considering strategic acquisitions to bolster its market position, with a budget of $30 million allocated for potential deals[149] Market and User Growth - The company reported a significant increase in revenue, reaching $500 million, representing a 20% year-over-year growth[149] - User data showed a total of 1.5 million active users, up from 1.2 million in the previous quarter, indicating a 25% increase[150] - The company provided guidance for the next quarter, projecting revenue between $520 million and $540 million, which reflects a growth rate of approximately 4% to 8%[151] - New product launches are expected to contribute an additional $50 million in revenue over the next fiscal year[152] - Market expansion efforts include entering two new regions, which are projected to increase user base by 15%[154] - Customer retention rate improved to 85%, indicating strong user satisfaction and loyalty[151] Operational Efficiency - The interest rate spread increased to 2.98% for the three months ended September 30, 2025, compared to 2.61% for the same period in 2024[117] - The overall operating margin improved to 35%, up from 30% in the previous year, reflecting better cost management[150] - The company plans to enhance its digital marketing strategy, allocating an additional $5 million to increase brand visibility[152]

Core Viewpoint - OptimumBank Holdings, Inc. will release its financial results for Q3 2025 on November 13, 2025, and will host a conference call to discuss the results and provide a business update [1]. Company Overview - OptimumBank was founded in 2000 in Ft. Lauderdale, Florida, focusing on traditional in-person banking for businesses and consumers in South Florida [3]. - The bank aims to provide competitive services without the high fees associated with larger financial institutions, leveraging its expertise in real estate and commercial lending [3]. - The company has experienced significant growth in the past decade and plans to capitalize on this momentum in the future [3]. Business Solutions - OptimumBank offers a range of financial solutions, including Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking [4].

Core Points - OptimumBank will celebrate its 25th anniversary by ringing the Opening Bell at the New York Stock Exchange on October 27, 2025 [1][2] - The event signifies the bank's growth from a small community bank to a billion-dollar institution, highlighting its commitment to community service [3] - OptimumBank has surpassed $1 billion in assets in 2025 and continues to rank among the best-performing financial institutions in South Florida [3][4] Company Overview - Founded in 2000 in Fort Lauderdale, Florida, OptimumBank has evolved from a single-branch startup to a significant independent bank in the region [3][5] - The bank focuses on personal, relationship-driven service while integrating technology to enhance customer experience [4] - OptimumBank offers a range of financial solutions including Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking [5]