OptimumBank Holdings (NYSEAM:OPHC) Q3 2025 Earnings Call November 13, 2025 10:00 AM ET Company ParticipantsSeth Denison - Managing Director of Investor RelationsElliot Nunez - CFOMoishe Gubin - ChairmanTim Terry - President and CEOOperatorLadies and gentlemen, thank you for joining us, and welcome to OptimumBank Holdings Q3 Earnings Call. After today's prepared remarks, we will host a question-and-answer session. If you would like to ask a question, please raise your hand. If you have dialed into today's ca ...