Core Insights - The latest episode of The GotStocks Podcast features Moishe Gubin, Chairman of OptimumBank Holdings Inc., discussing the bank's community focus and growth trajectory [2][3] - OptimumBank has achieved significant growth, breaking the billion-dollar mark in total assets and expecting continued growth of 30-40% over the next few years [3][4] - The bank operates with a net income of approximately $20 to $25 million annually, allowing for potential growth of about $200 million per year due to a 10% capital rate and a debt-free balance sheet [4] Company Overview - OptimumBank Holdings Inc. is a single bank holding company that owns 100% of OptimumBank, a community bank based in Fort Lauderdale, Florida [2][7] - The bank focuses on traditional in-person banking services for businesses and consumers in South Florida, emphasizing customer service and relationship-building [7][8] - OptimumBank has not experienced any bad loans in many years, with a lending philosophy centered on local borrowers who are familiar with the bank [5] Growth Strategy - The bank is positioned for sustainable expansion, with opportunities to bring in preferred debt or equity to support its growth [4] - OptimumBank's business solutions include Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking [8] - The company aims to capitalize on its momentum and continue its explosive growth trajectory in the coming months and years [7]