OptimumBank(OPHC) - 2025 Q4 - Earnings Call Transcript

OptimumBank (NYSEAM:OPHC) Q4 2025 Earnings call February 18, 2026 10:00 AM ET Speaker3I will now hand the conference over to Seth Denison, Managing Director of Investor Relations. Please go ahead.Speaker4Good morning, everybody, and welcome to OptimumBank Holdings, Inc.'s fourth quarter 2025 earnings call. I'm joined here today with our CFO, Elliot Nunez, the chairman of our bank, Moishe Gubin, and the CEO of our bank, Tim Terry. Today, we're going to spend some time going over some of the details for the l ...