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].

The best-performing financial services group in the Nordics Capital Markets Day 5 November 2025 1 Disclaimer 2 • Nordea and its businesses are exposed to various risks and uncertainties. • This presentation contains certain statements which are not historical facts, including, without limitation, statements communicating expectations regarding, among other things, the results of operations and the bank's financial condition, liquidity, prospects, growth and strategies; and statements preceded by "believes", ...

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]

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]

Core Viewpoint - OptimumBank Holdings, Inc. is on a strong growth trajectory, aiming to exceed $1.2 billion in total assets by the end of 2025 and projecting total assets to reach between $1.5 billion and $1.6 billion by the end of 2026, driven by a consistent annual growth rate of 25% to 30% [2][3][35] Financial Performance - The company reported net earnings of $3.6 million for Q2 2025, slightly lower than Q1 2025's $3.8 million but higher than $3.5 million in Q2 2024 [12] - Year-to-date net earnings for the first half of 2025 reached $7.4 million, compared to $5.8 million in the same period last year [12] - Net interest income increased to $10.2 million in Q2 2025, up from $9.4 million in Q1 2025 and $8.7 million in Q2 2024 [14] Asset Growth and Projections - Current total assets are nearing the $1 billion milestone, with a compound annual growth rate of 34.74% since 2021 [11][12] - The company aims to surpass $1.2 billion in total assets by the end of 2025 and projects reaching between $1.5 billion and $1.6 billion by the end of 2026 [2][3] Loan Portfolio and Asset Quality - The gross loan portfolio totaled $784 million, reflecting a slight decrease of $15 million quarter-over-quarter, primarily due to loan payoffs [16] - Non-accrual loans decreased to $3.2 million from $7.5 million in the prior quarter, indicating improved asset quality [16] - The company recorded a $19,000 net recovery on its allowance for loan losses, with total allowance standing at $9.34 million, representing 1.19% of the portfolio [16] Strategic Focus - The bank emphasizes maintaining strong relationships with borrowers and a disciplined approach to lending, which has resulted in minimal losses year-over-year [21][24] - OptimumBank is investing in technology and talent to enhance its operational efficiency and support its growth strategy [17][29] Market Position - OptimumBank focuses on traditional in-person banking services in South Florida, differentiating itself from larger financial institutions by offering lower fees and specialized expertise in real estate and commercial lending [4][5] - The bank's employee count has increased significantly from 38 in 2021 to 88 as of June 30, 2025, supporting its operational scale [14]

Core Viewpoint - OptimumBank Holdings, Inc. will announce its financial results for the second quarter of 2025 on August 7, 2025, and will host a conference call and live webcast to discuss these results and provide a business update [1]. Company Overview - OptimumBank was founded in 2000 in Fort 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 continue capitalizing on this momentum [3]. Financial Solutions - OptimumBank offers a range of business and financial solutions, including Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking [4].

Financial Performance - First Busey Corporation's total assets were $119 billion as of March 31, 2024 [3] - The company's Assets Under Care (AUC) reached $128 billion [3] - Last Twelve Months (LTM) revenue totaled $3727 million [4] - FirsTech, a segment of First Busey, processed $11 billion in payments LTM [3] and generated $231 million in revenue LTM [4] - Wealth Management segment revenue LTM was $586 million [4] Balance Sheet & Capital - As of March 31, 2024, the CET1 ratio was 135% and the Total Capital Ratio was 179% [20] - Core deposits represented 967% of total deposits [20] - The loan-to-deposit ratio stood at 762% [26] Wealth Management - Wealth Management's Assets Under Care (AUC) reached $128 billion as of March 31, 2024, a year-over-year increase of 139% [3, 49] - Wealth segment revenue for 1Q24 was $157 million, a year-over-year increase of 53% [49] FirsTech - FirsTech's revenue for 1Q24 reached $60 million, marking the highest quarterly revenue in the company's history [52] - FirsTech is focused on achieving double-digit annual growth and reaching $50 million in annual revenue [54] Strategic Initiatives - On April 1, 2024, First Busey completed the acquisition of M&M Bank Corp [3, 12]

Core Insights - OptimumBank Holdings, Inc. reported its best year in company history, achieving a Core Return on Average Equity (ROAE) exceeding 23% for fiscal year 2024 [1] - The company will present updated performance data through Q1 2025 during its Annual Shareholder Meeting and Investor Day on April 29, 2025 [1][2] Company Overview - Founded in 2000 in Ft. Lauderdale, Florida, OptimumBank focuses on traditional in-person banking services for businesses and consumers in South Florida [3] - The bank offers a trusted alternative to larger financial institutions, emphasizing expertise in real estate and commercial lending [3] - OptimumBank has experienced significant growth over the past decade and aims to continue this momentum in the future [3] Financial Solutions - The bank's business and financial solutions include Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking [4]