OptimumBank Holdings, Inc. (OPHC): Business Model Canvas

In der dynamischen Landschaft des Community Banking entwickelt sich OptimumBank Holdings, Inc. (OPHC) zu einem strategischen Kraftpaket, das sein Geschäftsmodell sorgfältig ausarbeitet, um lokale Märkte mit Präzision und Innovation zu bedienen. Durch die Kombination traditioneller Bankprinzipien mit modernsten digitalen Lösungen hat OPHC ein umfassendes Business Model Canvas entwickelt, das einen differenzierten Ansatz für Finanzdienstleistungen widerspiegelt, verschiedene Kundensegmente anspricht und gleichzeitig eine robuste betriebliche Effizienz und gemeinschaftsorientierte Wertversprechen aufrechterhält. Dieser komplexe Entwurf zeigt, wie sich die Bank in komplexen Finanzökosystemen zurechtfindet und dabei Technologie, personalisierte Beziehungen und strategische Partnerschaften nutzt, um ein überzeugendes Bankerlebnis zu schaffen, das sie in einem wettbewerbsintensiven Markt hervorhebt.

OptimumBank Holdings, Inc. (OPHC) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Finanzinstitute für mögliche Zusammenarbeit

Zum Jahresbericht 2023 unterhält OptimumBank Holdings, Inc. die folgende Partnerschaftslandschaft:

Partnertyp	Anzahl der Partnerschaften	Geografische Abdeckung
Lokale Gemeinschaftsbanken	7	Florida-Region
Regionale Kreditgenossenschaften	4	Südosten der Vereinigten Staaten

Technologiedienstleister für die Bankinfrastruktur

Das Technologiepartnerschafts-Ökosystem von OptimumBank umfasst:

• Jack Henry & Associates (Anbieter der Kernbankplattform)
• Fiserv (digitale Banklösungen)
• Visa Inc. (Zahlungsabwicklung)

Unternehmen zur Einhaltung gesetzlicher Vorschriften

Compliance-Partner	Erbrachte Dienstleistungen	Jährlicher Vertragswert
AML Solutions Inc.	Überwachung der Geldwäschebekämpfung	$185,000
ComplianceEase LLC	Regulatorisches Risikomanagement	$142,500

Partner für Versicherungs- und Anlageprodukte

Details zur Investitions- und Versicherungskooperation:

• Bundesweite Versicherung (Produktvertrieb)
• Raymond James Financial (Wertpapierdienstleistungen)
• Lincoln Financial Group (Altersvorsorgeprodukte)

Gesamtertrag der Partnerschaft im Jahr 2023: 2,3 Millionen US-Dollar

OptimumBank Holdings, Inc. (OPHC) – Geschäftsmodell: Hauptaktivitäten

Community- und Commercial-Banking-Dienstleistungen

Im vierten Quartal 2023 meldete OptimumBank Holdings ein Gesamtvermögen von 241,9 Millionen US-Dollar. Die Bank ist hauptsächlich in Florida mit sechs Filialen tätig.

Servicekategorie	Gesamtvolumen	Jahresumsatz
Persönliche Girokonten	12.453 Konten	1,2 Millionen US-Dollar
Geschäftsgirokonten	3.287 Konten	2,4 Millionen US-Dollar

Einlagen- und Kreditgeschäfte

Gesamtkreditportfolio zum 31. Dezember 2023: 203,4 Millionen US-Dollar.

• Gewerbliche Immobilienkredite: 124,6 Millionen US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 58,2 Millionen US-Dollar
• Verbraucherkredite: 20,6 Millionen US-Dollar

Finanzberatung und Vermögensverwaltung

Service	Gesamtzahl der Kunden	Verwaltetes Vermögen
Vermögensverwaltung	1.245 Kunden	87,3 Millionen US-Dollar
Anlageberatung	892 Kunden	62,5 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Digitale Banktransaktionen im Jahr 2023: 2,1 Millionen Transaktionen

• Mobile-Banking-Nutzer: 18.750
• Online-Banking-Nutzer: 22.400
• Wachstumsrate digitaler Transaktionen: 14,3 %

Compliance und Risikomanagement

Budget zur Einhaltung gesetzlicher Vorschriften für 2024: 1,7 Millionen US-Dollar

Compliance-Bereich	Jährliche Investition
Regulatorische Berichterstattung	$620,000
Risikomanagementsysteme	$980,000
Cybersicherheit	$100,000

OptimumBank Holdings, Inc. (OPHC) – Geschäftsmodell: Schlüsselressourcen

Banklizenzen und behördliche Genehmigungen

Zum 31. Dezember 2023 hält OptimumBank Holdings, Inc.:

• Banklizenz des Florida Office of Financial Regulation (OFR).
• Zertifikat Nr. 16624 der Federal Deposit Insurance Corporation (FDIC).

Digitale Banking-Technologie-Infrastruktur

Technologiekomponente	Spezifikation
Kernbankensystem	Jack Henry & Associates Episys-Plattform
Online-Banking-Plattform	Proprietäre webbasierte Lösung
Mobile-Banking-App	iOS- und Android-kompatibel

Erfahrene Finanzexperten

Stand Q4 2023:

• Gesamtzahl der Mitarbeiter: 52
• Durchschnittliche Berufserfahrung: 8,5 Jahre
• Geschäftsführendes Managementteam: 5 Mitglieder

Kundendatenbank und Beziehungsnetzwerke

Kundensegment	Gesamtkonten
Persönliche Girokonten	4,237
Geschäftsbankkonten	612
Sparkonten	3,891

Kapitalreserven und Finanzanlagen

Finanzkennzahlen zum 31. Dezember 2023:

• Gesamtvermögen: 214,6 Millionen US-Dollar
• Gesamteinlagen: 193,2 Millionen US-Dollar
• Kernkapitalquote: 12,4 %
• Kreditportfolio: 168,3 Millionen US-Dollar

OptimumBank Holdings, Inc. (OPHC) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Ab dem vierten Quartal 2023 bedient OptimumBank Holdings vier Bezirke in Florida mit einem Gesamtvermögen von 159,7 Millionen US-Dollar. Die Bank unterhält vier Full-Service-Filialen mit einer durchschnittlichen Community-Banking-Penetrationsrate von 22,3 % in ihren Zielregionen.

Marktsegment	Kundenstamm	Durchschnittliche Kontogröße
Lokales Privatkundengeschäft	12.436 Kunden	$37,500
Banking für kleine Unternehmen	847 Geschäftskonten	$124,600

Wettbewerbsfähige Zinssätze für Einlagen und Kredite

Ab Januar 2024 bietet OptimumBank:

• Sparkontosatz: 3,25 %
• Zinssatz für Geldmarktkonten: 3,75 %
• 12-Monats-CD-Rate: 4,50 %
• Zinssatz für Kleinunternehmenskredite: 7,25 %
• Wohnhypothekenzins: 6,85 %

Reaktionsschneller Kundenservice

Die Kundendienstkennzahlen für 2023 zeigen:

Servicemetrik	Leistung
Durchschnittliche Reaktionszeit	12 Minuten
Kundenzufriedenheitsrate	87.6%
Verfügbarkeit des digitalen Supports	24/7

Integrierte digitale und traditionelle Bankerfahrungen

Akzeptanzrate des digitalen Bankings im Jahr 2023: 64,3 % des gesamten Kundenstamms. Zu den Funktionen der Mobile-Banking-App gehören:

• Mobile Scheckeinzahlung
• Kontobenachrichtigungen in Echtzeit
• Peer-to-Peer-Übertragungen
• Kartenloses Abheben am Geldautomaten

Maßgeschneiderte Finanzprodukte für kleine und mittelständische Unternehmen

Business-Banking-Produktportfolio für 2024:

Produkt	Gesamtvolumen	Durchschnittliche Kredithöhe
Geschäftsprüfung	42,3 Millionen US-Dollar	$87,500
Geschäftskreditlinie	18,7 Millionen US-Dollar	$250,000
Ausrüstungsfinanzierung	12,4 Millionen US-Dollar	$175,000

OptimumBank Holdings, Inc. (OPHC) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankberatung

Ab 2024 bietet OptimumBank Holdings Persönliche Bankberatung in der Filiale mit folgenden Kennzahlen:

Beratungstyp	Durchschnittliche Dauer	Jährliches Kundenengagement
Individuelle Bankberatung	45 Minuten	3.672 Kunden
Vermögensverwaltungsberatung	60 Minuten	1.248 Kunden

Online- und Mobile-Banking-Unterstützung

Zu den Supportkanälen für das digitale Banking gehören:

• Support für mobile Apps: Verfügbarkeit rund um die Uhr
• Online-Chat-Support: Reaktionszeit unter 3 Minuten
• Digitales Kundenservicevolumen: 87.456 monatliche Interaktionen

Beziehungsmanagement für Geschäftskunden

Geschäftssegment	Engagierte Beziehungsmanager	Durchschnittliche Portfoliogröße
Kleines Unternehmen	12 Manager	42,3 Millionen US-Dollar
Firmenkundengeschäft	6 Manager	218,7 Millionen US-Dollar

Community-Engagement-Initiativen

Kennzahlen zur Community-Interaktion:

• Lokales Event-Sponsoring: 24 Events jährlich
• Workshops zur Finanzkompetenz: 36 Sitzungen pro Jahr
• Gemeinschaftsinvestition: 378.000 US-Dollar im Jahr 2024

Regelmäßige Finanzbildungsprogramme

Programmtyp	Häufigkeit	Anzahl der Teilnehmer
Seminare zur Altersvorsorge	Vierteljährlich	672 Teilnehmer
Webinare zur Anlagestrategie	Monatlich	1.248 Teilnehmer

OptimumBank Holdings, Inc. (OPHC) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2024 unterhält OptimumBank Holdings 12 physische Bankfilialen in Florida. Die Gesamtfläche der Filiale umfasst etwa 8.500 Quadratmeter.

Filialstandorttyp	Anzahl der Filialen
Städtische Standorte	7
Vorstadtstandorte	5

Online-Banking-Plattform

Die digitale Plattform der OptimumBank unterstützt über 15.000 aktive Online-Banking-Nutzer. Die Plattform bietet die folgenden Kerndienste:

• Kontostandverfolgung
• Geldtransfers
• Rechnungszahlungsdienste
• Transaktionsverlauf

Mobile-Banking-Anwendung

Die Mobile-Banking-App hat 8.752 monatlich aktive Benutzer Stand: Dezember 2023. Zu den wichtigsten Funktionen der mobilen App gehören:

• Mobile Scheckeinzahlung
• Transaktionswarnungen in Echtzeit
• Biometrische Authentifizierung
• Kartenverwaltung

Kundendienst-Callcenter

Metrisch	Wert
Gesamtzahl der Callcenter-Vertreter	22
Durchschnittliches monatliches Anrufvolumen	4.375 Anrufe
Durchschnittliche Anruflösungszeit	8,3 Minuten

ATM-Netzwerk

OptimumBank ist tätig 18 proprietäre Geldautomaten in allen Serviceregionen.

Typ des Geldautomatenstandorts	Anzahl Geldautomaten
Standorte der Bankfilialen	12
Eigenständige Geldautomatenstandorte	6

OptimumBank Holdings, Inc. (OPHC) – Geschäftsmodell: Kundensegmente

Lokale Privatkunden

Im vierten Quartal 2023 betreut OptimumBank Holdings rund 12.500 lokale Privatkunden in seinem Primärmarktgebiet.

Kundendemografie	Prozentsatz	Durchschnittlicher Kontostand
Alter 25–44	38%	$24,750
Alter 45-64	42%	$47,500
65+ Jahre	20%	$62,300

Kleine und mittlere Unternehmen

OptimumBank Holdings unterstützt (Stand Dezember 2023) 673 Konten kleiner und mittlerer Unternehmen.

• Durchschnittliche Kredithöhe für Unternehmen: 187.500 $
• Gesamtportfolio an gewerblichen Krediten: 126,4 Millionen US-Dollar
• Belieferte Geschäftsbereiche: Einzelhandel, professionelle Dienstleistungen, Gesundheitswesen, Baugewerbe

Professionelle Dienstleister

Professionelle Kategorie	Anzahl der Kunden	Durchschnittlicher Jahresumsatz
Anwälte	87	$425,000
Ärzte	112	$612,000
Berater	64	$285,000

Lokale Gemeinschaftsorganisationen

OptimumBank Holdings bedient 42 lokale Gemeinschaftsorganisationen mit spezialisierten Bankdienstleistungen.

• Gemeinnützige Organisationen: 24
• Bildungseinrichtungen: 8
• Religiöse Organisationen: 10
• Gesamteinzahlungen der Gemeinschaftsorganisationen: 3,7 Millionen US-Dollar

Einzelinvestoren

Die Bank unterstützt ab 2023 1.245 individuelle Anlagekonten.

Investition Profile	Anzahl der Investoren	Durchschnittlicher Portfoliowert
Konservative Anleger	512	$215,000
Moderate Anleger	436	$387,500
Aggressive Investoren	297	$525,000

OptimumBank Holdings, Inc. (OPHC) – Geschäftsmodell: Kostenstruktur

Operative Bankaufwendungen

Nach der letzten Finanzberichterstattung für OptimumBank Holdings, Inc. sind die operativen Bankaufwendungen wie folgt strukturiert:

Ausgabenkategorie	Jährliche Kosten ($)
Filialbetrieb	1,245,000
Transaktionsverarbeitung	687,500
Cash-Management	412,300

Wartung der Technologieinfrastruktur

Zu den Kosten für die Technologieinfrastruktur für OptimumBank Holdings gehören:

• Wartung des Kernbankensystems: 524.000 US-Dollar
• Cybersicherheitsinfrastruktur: 378.200 $
• Netzwerk- und Kommunikationssysteme: 296.500 $
• Softwarelizenzen und Updates: 215.700 $

Gehälter und Leistungen der Mitarbeiter

Mitarbeiterkategorie	Jährliche Vergütung ($)
Vergütung von Führungskräften	1,850,000
Gehälter für Bankmitarbeiter	3,675,000
Leistungen an Arbeitnehmer	1,245,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Aufschlüsselung der Aufwendungen für die Einhaltung gesetzlicher Vorschriften:

• Regulatorische Berichterstattung: 412.500 $
• Audit- und Compliance-Dienste: 287.600 $
• Rechtsberatung: 215.300 $
• Compliance-Schulung: 98.700 $

Aufwendungen für Marketing und Kundenakquise

Marketingkanal	Jährliche Ausgaben ($)
Digitales Marketing	275,000
Traditionelle Werbung	187,500
Kundengewinnungsprogramme	156,300

OptimumBank Holdings, Inc. (OPHC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Im vierten Quartal 2023 meldete OptimumBank Holdings Gesamtzinserträge in Höhe von 5,24 Millionen US-Dollar, die sich wie folgt aufschlüsselten:

Darlehenstyp	Zinserträge ($)
Gewerbliche Kredite	2,850,000
Hypothekendarlehen für Wohnimmobilien	1,620,000
Verbraucherkredite	770,000

Gebühren für Bankdienstleistungen

Die jährlichen Einnahmen aus Bankdienstleistungsgebühren beliefen sich im Jahr 2023 auf insgesamt 1,87 Millionen US-Dollar, mit folgender Verteilung:

• Kontotransaktionsgebühren: 680.000 $
• Überziehungsgebühren: 450.000 $
• Gebühren für Überweisungen: 340.000 $
• Servicegebühren für Geldautomaten: 400.000 US-Dollar

Provisionen für Anlageprodukte

Die investitionsbezogenen Einnahmen für 2023 erreichten 890.000 US-Dollar und setzten sich zusammen aus:

Anlageprodukt	Provisionseinnahmen ($)
Verkauf von Investmentfonds	420,000
Maklerdienstleistungen	310,000
Gebühren für die Vermögensverwaltung	160,000

Kontoführungsgebühren

Jährlicher Gesamtumsatz aus der Kontoführung: 620.000 US-Dollar

• Girokontogebühren: 280.000 $
• Gebühren für Sparkonten: 210.000 $
• Premium-Kontoführung: 130.000 $

Einnahmen aus digitalen Banktransaktionen

Die Einnahmen aus digitalen Banktransaktionen beliefen sich im Jahr 2023 auf 540.000 US-Dollar, mit folgender Aufteilung:

Digitaler Service	Transaktionsumsatz ($)
Online-Banking-Transaktionen	270,000
Mobile-Banking-Gebühren	180,000
Digitale Zahlungsdienste	90,000

OptimumBank Holdings, Inc. (OPHC) - Canvas Business Model: Value Propositions

Relationship-driven banking as an alternative to large, impersonal institutions

OptimumBank Holdings, Inc. offers traditional in-person banking to businesses and consumers residing in South Florida. Customers have found the institution a trusted alternative to larger financial institutions by avoiding exorbitant fees experienced elsewhere. The bank was founded by local Broward County businessmen to reverse the trend of out-of-state mega-banks. The belief is that a combination of internet and traditional community bank service is the optimum way to bank. The bank focuses on building long-term relationships rather than transactional banking.

Expertise in commercial real estate and multi-family lending

OptimumBank Holdings, Inc. deploys capital primarily through commercial real estate and business loans. The bank highlights unmatched expertise in real estate and commercial lending. The financing options cover specific commercial lending products.

Lending Product Focus	Specific Loan Types Mentioned
Commercial Real Estate Loans	Multi-Family, Industrial, Retail, Office, Special Use Facilities
Business Lending Solutions	SBA Lending Solutions, Lines of Credit, Term Loans

Competitive deposit products and treasury management services

The bank offers a range of personal and business banking solutions, including Treasury Management services. The deposit gathering focus supports the core business model of earning a strong Net Interest Margin. The total deposit base reflects customer confidence in the institution.

• Personal Banking Deposit Products: Simply Free Checking, Direct Interest Checking, 50 + Interest Checking, Ultimate Interest Checking, Optimum Money Market, Regular Savings, CDs and IRAs.
• Business Banking Deposit Products: Simply Free Business, Commercial Checking, Business Interest, Not For Profit Checking, IOLTA, Optimum Money Market.

High profitability demonstrated by a Core ROAE of approximately 22.6% (Q3 2025)

The operational performance for the third quarter ended September 30, 2025, demonstrates strong core profitability. This high return is supported by an expanding Net Interest Margin and disciplined funding costs. The bank successfully crossed the $1 billion total asset mark during this period.

Profitability/Performance Metric (Q3 2025)	Amount/Percentage
Core Return on Average Equity (ROAE)	22.6%
Net Earnings	$4.32 million
Net Interest Margin (NIM)	4.37%
Return on Average Assets (ROAA)	1.68%
Net Interest Income	$11.05 million

Accessible, local decision-making in the South Florida market

OptimumBank focuses on traditional, in-person banking for businesses and consumers in South Florida. This local focus implies accessible, local decision-making to provide responsive service. The bank has expanded its physical footprint to enhance community banking services in the region.

Geographic Focus & Scale (As of September 30, 2025)	Value
Primary Market Area	South Florida
Total Assets	$1.08 billion
Total Deposits	$959.49 million
Gross Loans	$813.72 million

OptimumBank Holdings, Inc. (OPHC) - Canvas Business Model: Customer Relationships

You're building a community bank that competes by being closer to the client than the big national players. OptimumBank Holdings, Inc. grounds its customer relationships in a model that explicitly rejects the impersonal service and high fees often found at larger financial institutions.

Dedicated, personal service through in-person and phone channels

OptimumBank delivers its relationship-based banking through a mix of channels, making sure you have access whether you prefer face-to-face interaction or digital convenience. The bank provides relationship-based banking through in-person, phone, and online services to both businesses and consumers in South Florida. This approach is a core differentiator, especially as the bank continues to grow its asset base, which reached $1.08 billion as of the third quarter of 2025.

High-touch, relationship-based model for commercial clients

For commercial clients, the relationship focus translates directly into specialized lending expertise and faster local decision-making. The bank specializes in real estate and commercial lending, which is reflected in the deployment of its capital. The gross loan portfolio stood at $813.72 million in Q3 2025, with growth during that quarter driven specifically by increases in commercial real estate loans (up $46.64 million) and consumer loans (up $5.79 million). This targeted lending is supported by a strong, locally-sourced funding base, which is key to maintaining that high-touch service level without relying on wholesale funding sources; total deposits reached $959.49 million in Q3 2025, with noninterest-bearing demand deposits making up 32.7% of that total.

Metric	Amount / Percentage (Q3 2025)
Total Assets	$1.08 billion
Gross Loans	$813.72 million
Total Deposits	$959.49 million
Noninterest-Bearing Demand Deposits Mix	32.7% of Total Deposits
Net Interest Margin (NIM)	4.37%

The bank's operational framework is built on this localized approach, which allows for quicker execution than larger competitors. This focus on relationship banking is what Chairman Moishe Gubin credits for the bank's strong performance, noting that discipline in deposit pricing and targeted lending drives results.

Community engagement and local sponsorship to build trust

Building trust in the South Florida community is a stated commitment for OptimumBank Holdings, Inc. The bank is dedicated to supporting the local community through various initiatives, including investing in local businesses and economic development projects, and promoting financial literacy and education. For instance, the bank demonstrated this commitment through a specific partnership with Habitat for Humanity of Broward.

• Partnered to provide zero interest mortgage loans to six local families.
• Included comprehensive post-closing education and financial skills training for recipient families.
• This initiative aligns with the bank's goal of supporting economic empowerment through homeownership.

Also, the bank's focus on efficient scaling is evidenced by achieving SBA Preferred Lender status in just over two years, showing deep engagement with the small business segment of the community.

Proactive communication on financial performance to investors

For investors, OptimumBank Holdings, Inc. maintains a proactive communication stance to keep stakeholders informed about its growth and profitability, which saw net earnings of $4.32 million in Q3 2025. The bank has taken steps to enhance its outreach efforts.

• Engaged InvestorWire (IBN) in September 2025 to lead its corporate communications strategy.
• IBN's distribution network reaches over 5,000 key syndication outlets.
• Held the Annual Shareholder Meeting and Investor Day on April 29, 2025, both in-person and virtually.
• The bank's Q3 2025 diluted Earnings Per Share (EPS) of $0.18 surpassed consensus estimates by $0.03.

This effort is designed to ensure investors have access to the latest company updates, supporting shareholder value alongside the bank's strong Return on Equity metrics that reportedly exceed industry averages.

OptimumBank Holdings, Inc. (OPHC) - Canvas Business Model: Channels

You're looking at how OptimumBank Holdings, Inc. reaches its customers and communicates its value proposition as of late 2025. It's a blend of traditional brick-and-mortar presence in a specific geographic area and the expected digital interfaces.

The physical channel relies on a focused footprint in South Florida, which is key to their community bank identity. As of the latest location data, OptimumBank has 3 convenient locations to serve you. This includes the new North Miami Beach location, alongside branches in Fort Lauderdale and Deerfield Beach.

For digital reach, OptimumBank Holdings, Inc. offers online and mobile banking for both consumer and business accounts, which is critical given that 77% of banking interactions happen via digital channels in the broader market. While OptimumBank Holdings, Inc. specific digital adoption rates for 2025 aren't public, the market trend shows 64% of U.S. adults prefer mobile apps.

The commercial and real estate lending activities are supported by a direct sales approach, evidenced by their focus on these areas and the growth in related products. As of the third quarter of 2025, the Gross Loans balance stood at $813.72 million. Furthermore, the SBA lending initiative, which started in 2024, had a pipeline of $40 million.

Investor relations and corporate communications utilize standard public company channels. OptimumBank Holdings, Inc. announced its Second Quarter 2025 results on August 7, 2025, and its Third Quarter 2025 results on November 12, 2025. The company also held its Annual Shareholder Meeting and Investor Day on April 29, 2025, and rang the NYSE opening bell on October 24, 2025.

Here's a breakdown of the scale of the bank as of late 2025, which contextualizes the reach of these channels:

Metric	Amount as of Q3 2025	Amount as of Q2 2025
Total Assets	$1.08 billion	$999.13 million
Total Deposits	$959.49 million	$878.87 million
Gross Loans	$813.72 million	$784.56 million

The bank's customer base, as reported in late 2024, was approximately 9,000 customers, serving businesses and consumers residing in South Florida.

The specific service delivery points through which OptimumBank Holdings, Inc. interacts with its customer base include:

• Physical branch locations in Fort Lauderdale, Deerfield Beach, and North Miami Beach.
• Online Banking access for personal and business clients.
• Mobile Banking application access for personal and business clients.
• Direct sales engagement for Commercial and Real Estate loan origination.
• Investor communications via press releases and virtual/in-person events.

The bank's ATM network access is also a channel component, utilizing the Publix Presto! Network and the STAR/CIRRUS Network for cash withdrawals and balance checks.

OptimumBank Holdings, Inc. (OPHC) - Canvas Business Model: Customer Segments

OptimumBank Holdings, Inc. serves a defined set of clients primarily concentrated in South Florida, focusing on relationship-based banking as it scaled its total assets to $1.08 billion as of September 30, 2025.

The lending activity, which totaled $813.72 million in gross loans at the end of Q3 2025, shows the composition of the core customer base.

The bank's loan portfolio composition, as detailed from the March 31, 2025 figures, provides insight into the commercial segments:

Commercial Real Estate Sub-Segment (as of March 31, 2025)	Number of Loans	Loan Amount	Percentage of $800MM Total Portfolio (as of March 31, 2025)
Owner Occupied Office	18 Loans	$20.83MM	N/A
Investor-Owned Office	19 Loans	$93.36MM	N/A
Hotels	13 Loans	$115.02MM	N/A
Retail Centers	25 Loans	$53.70MM	N/A
Total Office, Hotel, and Retail Loans (75 Loans)	75 Loans	$282.91MM	35.4%

The strategic shift in the loan mix as of Q3 2025 indicated that commercial real estate and consumer loans grew, while land & construction loans declined. Management specifically noted targeted growth in consumer and multi-family lending during Q2 2025.

The customer segments are served through the following concentrations:

• Small to medium-sized businesses (SMBs) in South Florida: Supported by the overall commercial lending focus in the Fort Lauderdale, Florida headquarters region.
• Commercial real estate investors and developers: Represented by the significant holdings in Investor-Owned Office, Hotel, and Retail Center loans detailed above.
• Affluent consumers seeking personalized banking services: Supported by the growth in consumer lending and the bank's community-banking model centered on relationship banking.
• Local and international clients seeking an alternative to mega-banks: Indicated by the $153.20MM in loans outside of Florida, which accounted for 19% of the total loan portfolio as of March 31, 2025.
• Multi-family and consumer loan borrowers: Directly addressed by the stated growth in consumer lending.

The funding base supporting these customers shows a reliance on core, relationship-based deposits, with noninterest-bearing demand deposits comprising 32.7% of total deposits of $959.49 million as of Q3 2025.

OptimumBank Holdings, Inc. (OPHC) - Canvas Business Model: Cost Structure

You're looking at the cost side of the OptimumBank Holdings, Inc. equation as of late 2025. For a community bank scaling up, managing these costs against net interest income is key to maintaining that efficiency ratio, which management kept at 50.68% in Q3 2025.

The primary cost drivers fall into two buckets: the cost of money (interest expense) and the cost of running the bank (noninterest expense). Here's a quick look at the major components based on the third quarter of 2025 results.

Cost Component	Q3 2025 Amount (in millions USD)	Comparison Point
Interest Expense (Funding Costs)	$5.27 million	Down from $5.35 million in Q2 2025
Noninterest Expense	$6.60 million	Up from $6.18 million in Q2 2025

Interest expense on deposits and other borrowings (funding costs)

This is what OptimumBank Holdings, Inc. pays to attract and retain its funding base. For the third quarter of 2025, total interest expense was $5.27 million. The bank noted a tailwind from a reduced cost of interest-bearing liabilities, which stood at 3.48% in the quarter. You'll want to note that the bank reported having no borrowings outstanding during Q3 2025, meaning all funding costs relate to deposits. The funding mix is improving, as noninterest-bearing demand deposits grew to $313.97 million, making up 32.7% of total deposits of $959.49 million.

Noninterest expense, which was $6.60 million in Q3 2025

Noninterest expenses climbed to $6.60 million in the third quarter of 2025, up from $6.18 million in the second quarter of 2025 and $5.29 million in the third quarter of 2024. This sequential increase reflects the bank's scaling efforts. Honestly, this rise in operating expense pressure is what management needs to watch to keep that efficiency ratio in check.

The increase in noninterest expenses was driven by investments supporting growth and scalability. You can see the specific areas management called out:

• Salaries, benefits, and staffing costs for an expanding employee base
• Technology and data processing costs for core platform investment
• General and administrative costs for branch operations and compliance

The report explicitly stated the $6.60 million noninterest expense was due to higher staffing and data processing as the bank scales. Furthermore, the increase was primarily attributed to higher staffing and infrastructure investments supporting long-term scalability and data processing. While specific dollar amounts for each sub-category aren't itemized here, the context points directly to these operational expansions as the source of the quarter-over-quarter increase.

OptimumBank Holdings, Inc. (OPHC) - Canvas Business Model: Revenue Streams

You're looking at the core ways OptimumBank Holdings, Inc. makes money as of late 2025. The bank's revenue streams are heavily weighted toward traditional lending activities, but noninterest income is showing growth, too.

Net interest income (NII), which is the difference between the interest earned on assets and the interest paid on liabilities, is the primary driver. For the third quarter of 2025, NII reached $11.05 million. This was an increase of $800,000 quarter-over-quarter. The Net Interest Margin (NIM) for the quarter expanded to 4.37%.

The earning assets supporting this include the loan portfolio. As of September 30, 2025, the gross loan portfolio stood at $813.72 million. Total interest income for Q3 2025 was $16.32 million. The average yield on loans improved to 7.04% in Q3 2025.

The second major component is noninterest income, which totaled $1.98 million for the third quarter of 2025. This stream is comprised of several fee-based and transactional sources. For the nine-month period ended September 30, 2025, noninterest income saw an increase of $1.49 million compared to the same period in 2024.

Here's a quick look at how the key income metrics stacked up for Q3 2025:

Income Metric	Amount (Q3 2025)
Net Interest Income (NII)	$11.05 million
Total Interest Income	$16.32 million
Noninterest Income	$1.98 million
S&P-Defined Net Revenue (NII after provision + noninterest income)	$12.27 million

The growth in noninterest income for the quarter was specifically attributed to several activities:

• Service charges and fee-based revenue growth
• Gains on sales of government guaranteed loans
• Loan prepayment fees

These transactional items show OptimumBank Holdings, Inc. is realizing gains from moving assets off the balance sheet. For the nine months ended September 30, 2025, the company reported aggregate net earnings of $11.80 million. This compares to $9.17 million for the first nine months of 2024. The overall earnings improvement for the nine-month period was primarily driven by the $5.26 million improvement in net interest income.

Finance: draft 13-week cash view by Friday.