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].

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 - Freedom Financial Holdings, Inc. has appointed Scott Clark as Executive Vice President and Chief Financial Officer, enhancing the bank's leadership team with his extensive experience in community banking and finance [1][4][6] Company Overview - The Freedom Bank of Virginia is a next-generation community bank based in Fairfax, Virginia, offering a range of banking solutions including commercial, personal, and mortgage banking [7] Leadership and Strategy - Scott Clark will oversee all financial operations, including budgeting, financial reporting, asset liability management, investment performance, regulatory compliance, and investor relations, positioning the bank for growth and profitability [3][4] - The bank's President and CEO, Joe Thomas, expressed confidence in Clark's ability to enhance operational efficiency and balance sheet management, aligning with the bank's values and commitment to community banking [4][5] Experience and Qualifications - Scott Clark has a significant background in financial strategy, regulatory compliance, and capital management, having previously served as Treasurer for Sandy Spring Bank and EagleBank [6] - His focus on long-term sustainability and customer satisfaction positions him uniquely to guide Freedom Bank through a rapidly changing financial environment [6]

Financial Performance & Profitability - First Foundation achieved profitability in Q1 2025, with fully diluted EPS of $0.08, a significant improvement from a loss of ($0.17) in the prior quarter[13, 15] - The company's Net Interest Margin (NIM) expanded by 9 bps QoQ to 1.67%, resulting in net interest income of $51.8 million[13, 15] - Pre-Provision Net Revenue (PPNR) reached $9.7 million, or $0.11 per share, compared to ($2.3 million), or ($0.03) per share in Q4 2024[13] Credit Quality & Loan Portfolio Management - First Foundation experienced negligible net charge-offs of 1 basis point in Q1 2025[13] - The company's CRE concentration improved to 435% from 519% in Q2 2024, reflecting active loan portfolio management[13] - Gross loans held for investment (HFI) decreased by $256.8 million QoQ, influenced by $431 million in loan payments and payoffs[13] Deposit Quality & Capital Strength - Brokered deposits were reduced by $400 million, a 16% decrease, while core deposits increased by $71 million QoQ[13] - The company's CET1 ratio increased by over 50 bps to 10.63% compared to 10.09% in Q4 2024, indicating organic capital build[13] - Adjusted tangible book value per share increased by $0.06 QoQ to $9.42, a 0.6% increase[13] Strategic Initiatives & Outlook - The company is focused on reducing multifamily concentration and growing commercial banking operations[8] - First Foundation aims to accelerate growth in wealth management and improve operational capabilities[8] - Net Interest Margin is expected to increase through FY 2025 with acceleration in FY 2026 and beyond[40]