Core Viewpoint - OptimumBank Holdings, Inc. has been invited to present at the Emerging Growth Conference on January 21, 2026, providing an opportunity for direct engagement with the investment community [1][2]. Group 1: Conference Details - The Emerging Growth Conference will take place on January 21, 2026, featuring a live, interactive online format [1]. - Mr. Moishe Gubin, the Company's Chairman, will deliver a corporate presentation at 9:40 AM Eastern time, followed by a live Q&A session [2]. - Investors can submit questions in advance or ask during the event, with the session lasting for 30 minutes [2]. Group 2: About the Emerging Growth Conference - The conference serves as a platform for public companies to present new products, services, and major announcements efficiently [3]. - It focuses on companies with strong management teams and long-term growth potential across various growth sectors [3]. Group 3: About OptimumBank Holdings, Inc. - OptimumBank Holdings, Inc. is the parent company of OptimumBank, established in 2004, with its banking operations starting in 2000 in Ft. Lauderdale, Florida [5]. - The bank emphasizes service orientation with reasonable fees and is committed to economic development and community partnerships [5]. - OptimumBank offers a range of financial solutions, including Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking [5].

Core Viewpoint - OptimumBank Holdings, Inc. has successfully completed a comprehensive modernization of its capital structure, establishing a transparent and high-performance equity foundation to support future asset growth [1]. Group 1: Capital Structure Modernization - The Company has amended and restated the terms of its Series B Preferred Stock to enhance clarity, consistency, and transparency for investors [5]. - The Series B Preferred Stock was unified into a single series, eliminating historical sub-series and simplifying disclosure, which improves comparability and transparency across reporting periods [6]. - The Series B Preferred Stock does not provide dividend income or additional economic participation, and its amendment was aimed at reducing complexity and enhancing financial reporting clarity [7]. Group 2: Institutional Investment and Support - AllianceBernstein has increased its economic exposure to the Company through open-market purchases, direct investments, and conversions of common stock into preferred stock, reflecting long-term confidence in the Company [2][3]. - The conversion of 350,000 shares of common stock into preferred stock allows AllianceBernstein to maintain appropriate governance alignment while increasing its economic stake [3][4]. - The non-voting shares held by AllianceBernstein are fully exchangeable into voting common stock, providing flexibility while supporting the Company's growth [4]. Group 3: Future Growth and Strategy - The Company aims to push past its current $1.1 billion asset milestone, with a streamlined capital structure and strong institutional participation positioning it well for continued growth [10]. - The coordinated efforts between major institutional partners and the Board reflect a unified conviction in the Company's future and its commitment to long-term value creation [10].

Core Viewpoint - OptimumBank has demonstrated strong financial performance, with insider buying indicating confidence in the company's future growth potential [2][3]. Financial Performance - OptimumBank reported net earnings of $4.32 million, equating to $0.37 per basic share, marking its strongest quarter ever [3]. - The increase in net interest income contributed significantly to this financial success, reflecting effective execution of the company's business strategy [3]. Insider Activity - Director Michael Blisko purchased 7,600 shares of OptimumBank common stock at an average price of $4.09 per share on December 4, 2025, totaling approximately $31,084 [2]. - This transaction increases Mr. Blisko's direct ownership stake, showcasing insider confidence in the company's future prospects [2]. Company Overview - OptimumBank, founded in 2000, focuses on community and business banking across Florida, emphasizing service orientation and reasonable fees compared to larger financial institutions [4]. - The bank is committed to economic development and social progress through responsible banking and community partnerships, offering various financial solutions including Business Banking, Business Lending, and Personal Banking [4].

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 Insights - Associated Banc-Corp announced the appointment of Mike Lebens as the new Twin Cities market president effective January 1, 2026, succeeding Paul Schmidt [1][3] - The grand opening of the new IDS Center branch in downtown Minneapolis marks a significant investment in the market, enhancing customer experience and expanding the bank's footprint [2][4] Leadership Transition - Mike Lebens joined Associated in May 2024 from Wells Fargo Bank, where he held various leadership roles for 22 years [2] - Paul Schmidt, the current market president, announced his retirement plans for the end of 2025, having served in his role since 2022 [3] Branch Opening Details - The new IDS Center branch features 1,665 square feet of retail space and over 6,000 square feet of office space, representing a 400 square feet increase from the previous Baker Center branch [4][7] - The branch will offer a comprehensive range of banking services, including personal banking, commercial banking, wealth solutions, commercial real estate services, and private banking [6] Market Presence and Strategy - Associated Banc-Corp is expanding its presence in the Greater Twin Cities area, with plans to move its Minneapolis offices to the IDS Center's 43rd floor, which will more than double its current footprint [8] - The bank operates nearly 200 locations across Wisconsin, Illinois, Minnesota, and Missouri, with total assets of $44 billion, making it the largest bank holding company based in Wisconsin [9]

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].