Fort Lauderdale, Florida--(Newsfile Corp. - January 5, 2026) - OptimumBank Holdings, Inc. (NYSE American: OPHC) (the "Company") is pleased to provide a year-end update on the successful completion of a comprehensive modernization of its capital structure. This strategic initiative, finalized through a series of coordinated actions by the Company’s largest institutional and insider stakeholders, establishes a transparent and high-performance equity foundation as the Company prepares for its next phase of as ...

Transaction Overview - OceanFirst Financial Corp 将以全股票方式收购 Flushing Financial Corporation，每股 Flushing 股票兑换 0.8500 股 OceanFirst 股票[42] - Warburg Pincus 将投资 2.25 亿美元用于 OceanFirst 的股权融资，购买价格为每股 19.76 美元[14, 42] - 交易完成后，OceanFirst 股东预计将持有合并后公司约 58% 的股份，Flushing 股东持有约 30%，Warburg Pincus 持有约 12%[42] Financial Impact - 预计 2027 年每股收益 (EPS) 将增加 16%[17, 34] - 有形账面价值 (TBV) 稀释为 (6%)，预计 3.1 年内收回[17, 34] - 预计 2027 年有形普通股报酬率 (ROATCE) 为 12.6%，普通资产报酬率 (ROAA) 为 1.00%[17, 34] Strategic Rationale - 通过 Flushing 在长岛和纽约市的渠道，OceanFirst 能够扩展其产品和服务[14] - 合并后的银行预计总资产将达到 230 亿美元[17, 34] - 合并有助于贷款组合多元化，并降低商业房地产 (CRE) 集中度[14] Risk and Cautionary Notes - 该报告包含前瞻性陈述，涉及风险和不确定性，实际结果可能与预测存在重大差异[4, 5] - 风险包括交易完成的延迟或失败，监管批准的条件，以及整合两家公司业务的潜在困难[5]

FT. LAUDERDALE, Fla., Dec. 09, 2025 (GLOBE NEWSWIRE) -- OptimumBank (NYSE: OPHC) based in Ft. Lauderdale, FL and focused on community and business banking across Florida, announced that Director Michael Blisko, last week, purchased additional shares of Company stock in an open-market transaction. According to a Form 4 filed with the U.S. Securities and Exchange Commission, Mr. Blisko acquired 7,600 shares of OptimumBank common stock on December 4, 2025, at an average price of $4.09 per share, for a total tr ...

Core Viewpoint - Farmers & Merchants Bancorp is launching a special voluntary program allowing shareholders with 99 shares or less to sell their shares without fees, aimed at increasing liquidity and portfolio diversification [1][2]. Group 1: Program Details - The program will be effective from November 19, 2025, to December 23, 2025, unless terminated or extended by the company [2]. - Eligible shareholders will be notified by mail about the program [2]. - The program will be administered by Georgeson LLC, with Computershare Trust Company serving as the paying agent [2]. Group 2: Company Overview - Farmers & Merchants Bancorp trades on the OTCQX under the symbol FMCB and is the parent company of Farmers & Merchants Bank of Central California [4]. - Founded in 1916, F&M Bank operates 33 locations in California and has $5.6 billion in assets [4]. - The bank has maintained a 5-Star rating from BauerFinancial for 35 consecutive years, making it one of the safest banks in the nation [4]. Group 3: Banking Services - F&M Bank offers a comprehensive range of loan, deposit, equipment leasing, and treasury management products for businesses, as well as consumer banking products [5]. - The bank received the highest rating of "Outstanding" from the FDIC in its last Community Reinvestment Act evaluation [5].

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].

Financial Data and Key Metrics Changes - Loans held for investment increased by $83 million, or 0.6% linked quarter, and $448 million, or 3.4% year-over-year [4] - Deposit base grew by $550 million, or 3.4% linked quarter, with non-interest-bearing deposits increasing by 5.9% linked quarter [4] - Net income for the third quarter was $56.8 million, representing fully diluted EPS of $0.94, up 2.2% from the prior quarter and 11.9% from the prior year [4][5] - Return on average assets was 1.21% and return on average tangible equity was 12.84% [5] - Net interest income expanded by 2.4% to $165.2 million, with a net interest margin of 3.83%, an increase of two basis points from the prior quarter [5] Business Line Data and Key Metrics Changes - Credit quality remained solid with net charge-offs of $4.4 million, representing 13 basis points of average loans [6] - Non-interest income totaled $39.9 million, up 0.1% linked quarter and 6.3% year-over-year [5] - Non-interest expense increased by $5.8 million, or 4.7% linked quarter, including approximately $2.3 million in non-routine items [5] Market Data and Key Metrics Changes - The company reported a solid trend in criticized loans, with a decrease of about $49 million in the quarter, totaling a decline of $123 million for the first three quarters of the year [34] Company Strategy and Development Direction - The company is focused on organic growth initiatives and has added customer relationship managers in key markets [3][4] - The guidance for loans held for investment is expected to increase in mid-single digits for the full year 2025, with low single-digit growth in deposits [8] - The company plans to maintain a disciplined approach to capital deployment, focusing on organic loan growth and potential market expansion [9] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about maintaining net interest margin in the range of 3.80% to 3.83% despite potential short-term headwinds [31][44] - The company anticipates a proactive approach to share repurchase as capital levels continue to build [17][60] - Management highlighted the competitive landscape in the market, noting that M&A activity presents opportunities for growth [21][26] Other Important Information - The company repurchased $11 million of common stock during the quarter, with a total of $37 million repurchased in the first nine months of the year [6][7] - A quarterly cash dividend of $0.24 per share was declared, payable on December 15 [7] Q&A Session Summary Question: Can you provide details on hiring and future plans? - The company hired approximately 29 new associates in Q3, with a focus on key markets like Houston and Atlanta [12] Question: Will there be an increase in expenses due to hiring? - Yes, the company expects a slight increase in expenses related to new hires, with additional non-routine costs factored in [14][15] Question: How does the company view M&A opportunities? - Management sees M&A as a potential opportunity but emphasizes a focus on organic growth strategies [21][26] Question: What are the trends in classified and criticized loans? - There has been a positive trend with a decrease in criticized loans, contributing to lower provisioning [34] Question: How does the company plan to manage deposit costs? - The company aims to maintain deposit costs while managing competitive pressures and anticipates a drop in deposit costs following Fed rate cuts [43][44]

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]

Financial Data and Key Metrics Changes - The company reported net income of approximately $163 million or $0.28 per diluted share, up from $133 million or $0.22 last quarter, marking the highest quarterly profitability since 2022 [4] - The annualized return on average assets is above 1%, achieving many profitability goals ahead of schedule [5] Business Line Data and Key Metrics Changes - Core deposits grew by nearly 10% over the past year, with approximately 110,000 new deposit accounts added [7] - Non-interest income has grown at an annual rate of 15% since 2017, three times faster than publicly traded peers [8] - Average loans increased by 0.5% during the quarter, with new origination yields stable at around 6.8% [15] Market Data and Key Metrics Changes - The company gathered about $1 billion of core deposits during the quarter, allowing for the payoff of approximately $700 million of maturing brokered deposits [13] - Brokered deposits now comprise 11% of the total deposit base, the lowest level since 2022 [13] Company Strategy and Development Direction - The company is focused on enhancing its commercial and consumer banking sectors, with new leaders introduced to accelerate growth [5][6] - There is a strategic emphasis on targeted investments in products, technology, and talent, particularly in commercial and specialty lines [7] - The company aims to diversify its balance sheet and reduce its commercial real estate concentration, targeting a ratio of 300% by 2026 [48] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about future prospects, citing strong customer growth, talent acquisition, and profitability [11] - The company anticipates continued stability in credit performance and expects to sustain low charge-off levels [19] - There is confidence in achieving a 15% return on tangible equity by late 2027 or early 2028, with a focus on net income expansion and margin improvement [99] Other Important Information - The company has repurchased $12 million of capital to buy back 1.3 million common shares during the quarter [20] - Non-accrual loans increased primarily due to a construction loan migration, but management does not anticipate any losses from this [44] Q&A Session Summary Question: Can you discuss the competitive backdrop regarding the decline in C&I loans? - Management noted that while there is a competitive environment for new deposit relationships, they have successfully managed deposit pricing and expect costs to decrease [24][26] Question: What are the growth expectations for CRE and C&I? - Management indicated a target of low single-digit growth for CRE and a strong pipeline for C&I, with a focus on traditional small business and middle market opportunities [48][90] Question: How do you view the potential for M&A? - The company remains focused on organic growth but is open to considering M&A if it aligns with shareholder interests [77][110] Question: What is the outlook for non-accrual loans? - Management expects stability in non-accrual loans, with positive trends in the real estate market supporting this outlook [125] Question: How do you plan to manage expenses going into 2026? - The company anticipates low single-digit expense growth while investing in revenue-generating talent [64][66]

Financial Performance - GAAP净收入为1.634亿美元，去年同期为9790万美元[3] - Non-GAAP调整后净收入为1.641亿美元，去年同期为9680万美元[3] - 年化平均资产回报率（ROAA）为1.04%，去年同期为0.63%[3] - 非GAAP效率比为53.4%，去年同期为56.1%[3] - 稀释后每股收益为0.28美元，去年同期为0.18美元[3] - 税前拨备净收入（PPNR）为2.291亿美元，去年同期为2.017亿美元[3] - PPNR占平均资产的年化比例为1.45%，去年同期为1.30%[3] Balance Sheet and Credit Quality - 截至2025年9月30日，预计全年贷款总额增长约2%，第四季度预计增长约1%[17] - 预计全年净利息收入增长约8%，第四季度预计增长约3%[17] - 不良贷款净额（NCOs）预期收紧，全年预计为1.05亿至1.15亿美元，第四季度预计为1000万至2000万美元[17] - 贷款损失准备金全年预计为1.3亿至1.4亿美元，第四季度预计为1000万至2000万美元[17] Strategic Initiatives and Growth - 2017年以来，股息累计增长111%，有形账面价值（TBV）增长98%[20] - 存款账户数量显著增加，从2017年12月31日的14.1万个增加到2025年9月30日的44万个，增长了117%[22] - 商业贷款地域多元化，东北地区占比从2017年12月31日的50%增长到2025年9月30日的79%[21, 55] - 核心存款持续增长和多元化，总存款从180亿美元增长到510亿美元[41] - 商业贷款地域多元化，东北地区占比从2017年的50%增长到2025年9月30日的79%[55] Loan Portfolio - 截至2025年9月30日，贷款总额为494亿美元[43] - 商业地产（CRE）贷款占比较高，其中多户住宅CRE占比25%，非自用CRE占比24%，自用CRE占比12%[45] - 消费贷款占比8%[45]

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]