OptimumBank Holdings, Inc. (OPHC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca comunitaria, Optimumbank Holdings, Inc. (OPHC) surge como una potencia estratégica, elaborando meticulosamente su modelo de negocio para servir a los mercados locales con precisión e innovación. Al combinar los principios bancarios tradicionales con soluciones digitales de vanguardia, OPHC ha desarrollado un lienzo de modelo comercial integral que refleja un enfoque matizado a los servicios financieros, dirigido a diversos segmentos de clientes al tiempo que mantiene una eficiencia operativa sólida y propuestas de valor centradas en la comunidad. Este intrincado plan revela cómo el banco navega por ecosistemas financieros complejos, aprovechando la tecnología, las relaciones personalizadas y las asociaciones estratégicas para crear una experiencia bancaria convincente que los distinga en un mercado competitivo.

Optimumbank Holdings, Inc. (OPHC) - Modelo de negocio: asociaciones clave

Instituciones financieras locales y regionales para la colaboración potencial

A partir del informe anual de 2023, Optimumbank Holdings, Inc. mantiene el siguiente panorama de la asociación:

Tipo de socio	Número de asociaciones	Cobertura geográfica
Bancos comunitarios locales	7	Región de Florida
Uniones de crédito regionales	4	Sudeste de los Estados Unidos

Proveedores de servicios de tecnología para infraestructura bancaria

El ecosistema de asociación tecnológica de Optimumbank incluye:

• Jack Henry & Asociados (proveedor de plataforma bancaria central)
• Fiserv (soluciones de banca digital)
• Visa Inc. (procesamiento de pagos)

Empresas de cumplimiento regulatorio

Socio de cumplimiento	Servicios proporcionados	Valor anual del contrato
AML Solutions Inc.	Monitoreo contra el lavado de dinero	$185,000
Cumpliancease LLC	Gestión de riesgos regulatorios	$142,500

Socios de productos de seguros e inversión

Detalles de la inversión y la colaboración de seguros:

• Seguro nacional (distribución de productos)
• Raymond James Financial (Servicios de inversión)
• Lincoln Financial Group (productos de jubilación)

Contribución total de ingresos de la asociación en 2023: $ 2.3 millones

Optimumbank Holdings, Inc. (OPHC) - Modelo de negocio: actividades clave

Servicios de banca comunitaria y comercial

A partir del cuarto trimestre de 2023, Optimumbank Holdings reportó activos totales de $ 241.9 millones. El banco opera principalmente en Florida con 6 sucursales.

Categoría de servicio	Volumen total	Ingresos anuales
Cuentas corrientes personales	12.453 cuentas	$ 1.2 millones
Cuentas corrientes de negocios	3.287 cuentas	$ 2.4 millones

Operaciones de depósito y préstamo

Cartera de préstamos totales al 31 de diciembre de 2023: $ 203.4 millones.

• Préstamos inmobiliarios comerciales: $ 124.6 millones
• Préstamos hipotecarios residenciales: $ 58.2 millones
• Préstamos al consumidor: $ 20.6 millones

Asesoramiento financiero y gestión de patrimonio

Servicio	Total de clientes	Activos bajo administración
Gestión de patrimonio	1.245 clientes	$ 87.3 millones
Aviso de inversión	892 clientes	$ 62.5 millones

Desarrollo de la plataforma de banca digital

Transacciones bancarias digitales en 2023: 2.1 millones de transacciones

• Usuarios de banca móvil: 18,750
• Usuarios bancarios en línea: 22,400
• Tasa de crecimiento de la transacción digital: 14.3%

Cumplimiento y gestión de riesgos

Presupuesto de cumplimiento regulatorio para 2024: $ 1.7 millones

Área de cumplimiento	Inversión anual
Informes regulatorios	$620,000
Sistemas de gestión de riesgos	$980,000
Ciberseguridad	$100,000

Optimumbank Holdings, Inc. (OPHC) - Modelo de negocio: recursos clave

Licencias bancarias y aprobaciones regulatorias

Al 31 de diciembre de 2023, Optimumbank Holdings, Inc. posee:

• Licencia bancaria de la Oficina de Regulación Financiera de Florida (OFR)
• Certificado Federal Deposit Insurance Corporation (FDIC) #16624

Infraestructura de tecnología de banca digital

Componente tecnológico	Especificación
Sistema bancario central	Jack Henry & Plataforma de Episys Associates
Plataforma bancaria en línea	Solución basada en la web patentada
Aplicación de banca móvil	iOS y Android compatible

Profesionales financieros calificados

A partir del cuarto trimestre 2023:

• Total de empleados: 52
• Experiencia profesional promedio: 8.5 años
• Equipo de gestión ejecutiva: 5 miembros

Base de datos de clientes y redes de relaciones

Segmento de clientes	Cuentas totales
Cuentas corrientes personales	4,237
Cuentas bancarias de negocios	612
Cuentas de ahorro	3,891

Reservas de capital y activos financieros

Métricas financieras al 31 de diciembre de 2023:

• Activos totales: $ 214.6 millones
• Depósitos totales: $ 193.2 millones
• Relación de capital de nivel 1: 12.4%
• Portafolio de préstamos: $ 168.3 millones

Optimumbank Holdings, Inc. (OPHC) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir del cuarto trimestre de 2023, Optimumbank Holdings atiende a 4 condados en Florida con activos totales de $ 159.7 millones. El banco mantiene 4 ubicaciones de sucursales de servicio completo con una tasa promedio de penetración bancaria comunitaria del 22.3% en sus regiones específicas.

Segmento de mercado	Base de clientes	Tamaño promedio de la cuenta
Banca minorista local	12,436 clientes	$37,500
Banca de pequeñas empresas	847 cuentas comerciales	$124,600

Tasas de interés competitivas sobre depósitos y préstamos

A partir de enero de 2024, Optimumbank ofrece:

• Tasa de cuentas de ahorro: 3.25%
• Tasa de cuenta del mercado monetario: 3.75%
• Tasa de CD de 12 meses: 4.50%
• Tasa de préstamo para pequeñas empresas: 7.25%
• Tasa de hipoteca residencial: 6.85%

Servicio al cliente receptivo

Las métricas de servicio al cliente para 2023 indican:

Métrico de servicio	Actuación
Tiempo de respuesta promedio	12 minutos
Tasa de satisfacción del cliente	87.6%
Disponibilidad de soporte digital	24/7

Experiencias bancarias digitales y tradicionales integradas

Tasa de adopción de banca digital en 2023: 64.3% de la base total de clientes. Las características de la aplicación de banca móvil incluyen:

• Depósito de cheque móvil
• Alertas de cuenta en tiempo real
• Transferencias de pares
• Retiros de cajero automático sin tarjeta

Productos financieros a medida para pequeñas y medianas empresas

Cartera de productos de banca comercial para 2024:

Producto	Volumen total	Tamaño promedio del préstamo
Verificación de negocios	$ 42.3 millones	$87,500
Línea de crédito comercial	$ 18.7 millones	$250,000
Financiación de equipos	$ 12.4 millones	$175,000

Optimumbank Holdings, Inc. (OPHC) - Modelo de negocios: relaciones con los clientes

Consultas bancarias personales

A partir de 2024, Optimumbank Holdings proporciona consultas bancarias personales en la rama Con las siguientes métricas:

Tipo de consulta	Duración promedio	Compromiso anual del cliente
Consulta bancaria individual	45 minutos	3.672 clientes
Consulta de gestión de patrimonio	60 minutos	1.248 clientes

Soporte bancario en línea y móvil

Los canales de soporte bancario digital incluyen:

• Soporte de la aplicación móvil: disponibilidad 24/7
• Soporte de chat en línea: tiempo de respuesta menor de 3 minutos
• Volumen de servicio al cliente digital: 87,456 interacciones mensuales

Gestión de relaciones para clientes comerciales

Segmento de negocios	Gerentes de relaciones dedicadas	Tamaño promedio de la cartera
Pequeño negocio	12 gerentes	$ 42.3 millones
Banca corporativa	6 gerentes	$ 218.7 millones

Iniciativas de participación comunitaria

Métricas de interacción comunitaria:

• Patrocinios de eventos locales: 24 eventos anualmente
• Talleres de educación financiera: 36 sesiones por año
• Inversión comunitaria: $ 378,000 en 2024

Programas de educación financiera regular

Tipo de programa	Frecuencia	Recuento de participantes
Seminarios de planificación de jubilación	Trimestral	672 participantes
Seminarios web de estrategia de inversión	Mensual	1.248 participantes

Optimumbank Holdings, Inc. (OPHC) - Modelo de negocio: canales

Red de sucursales bancarias físicas

A partir de 2024, Optimumbank Holdings mantiene 12 sucursales bancarias físicas ubicadas en Florida. La huella total de la rama cubre aproximadamente 8,500 pies cuadrados.

Tipo de ubicación de rama	Número de ramas
Ubicación urbana	7
Ubicaciones suburbanas	5

Plataforma bancaria en línea

La plataforma digital de Optimumbank es compatible con Más de 15,000 usuarios bancarios en línea activos. La plataforma proporciona los siguientes servicios principales:

• Seguimiento del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Historial de transacciones

Aplicación de banca móvil

La aplicación de banca móvil tiene 8,752 usuarios activos mensuales A diciembre de 2023. Las características clave de la aplicación móvil incluyen:

• Depósito de cheque móvil
• Alertas de transacciones en tiempo real
• Autenticación biométrica
• Gestión de tarjetas

Centro de llamadas de servicio al cliente

Métrico	Valor
Representantes totales del centro de llamadas	22
Volumen de llamadas mensual promedio	4,375 llamadas
Tiempo de resolución de llamadas promedio	8.3 minutos

Red de cajeros automáticos

Optimumbank funciona 18 cajeros automáticos de propiedad a través de sus regiones de servicio.

Tipo de ubicación de cajero automático	Número de cajeros automáticos
Ubicaciones de sucursales bancarias	12
Ubicaciones de cajeros automáticos independientes	6

Optimumbank Holdings, Inc. (OPHC) - Modelo de negocio: segmentos de clientes

Clientes bancarios residenciales locales

A partir del cuarto trimestre de 2023, Optimumbank Holdings atiende a aproximadamente 12.500 clientes de banca residencial local en su área de mercado principal.

Demográfico del cliente	Porcentaje	Saldo de cuenta promedio
Edad 25-44	38%	$24,750
Edad 45-64	42%	$47,500
Más de 65 años	20%	$62,300

Pequeñas y medianas empresas

Optimumbank Holdings admite 673 cuentas comerciales pequeñas y medianas a partir de diciembre de 2023.

• Tamaño promedio del préstamo comercial: $ 187,500
• Portafolio de préstamos comerciales totales: $ 126.4 millones
• Sectores comerciales atendidos: minorista, servicios profesionales, atención médica, construcción

Proveedores de servicios profesionales

Categoría profesional	Número de clientes	Ingresos anuales promedio
Abogados	87	$425,000
Médicos	112	$612,000
Consultores	64	$285,000

Organizaciones comunitarias locales

Optimumbank Holdings atiende a 42 organizaciones comunitarias locales con servicios bancarios especializados.

• Organizaciones sin fines de lucro: 24
• Instituciones educativas: 8
• Organizaciones religiosas: 10
• Depósitos de organización comunitaria total: $ 3.7 millones

Inversores individuales

El banco apoya a 1.245 cuentas de inversión individuales a partir de 2023.

Inversión Profile	Número de inversores	Valor de cartera promedio
Inversores conservadores	512	$215,000
Inversores moderados	436	$387,500
Inversores agresivos	297	$525,000

Optimumbank Holdings, Inc. (OPHC) - Modelo de negocio: estructura de costos

Gastos bancarios operativos

A partir de la última información financiera para Optimumbank Holdings, Inc., los gastos de banca operativa se estructuran de la siguiente manera:

Categoría de gastos	Costo anual ($)
Operaciones de rama	1,245,000
Procesamiento de transacciones	687,500
Gestión de efectivo	412,300

Mantenimiento de la infraestructura tecnológica

Los costos de infraestructura tecnológica para las tenencias de Optimumbank incluyen:

• Mantenimiento del sistema bancario central: $ 524,000
• Infraestructura de ciberseguridad: $ 378,200
• Sistemas de red y comunicación: $ 296,500
• Licencias de software y actualizaciones: $ 215,700

Salarios y beneficios de los empleados

Categoría de empleado	Compensación anual ($)
Compensación ejecutiva	1,850,000
Salarios del personal bancario	3,675,000
Beneficios para empleados	1,245,000

Costos de cumplimiento regulatorio

Desglose de los gastos de cumplimiento regulatorio:

• Informes regulatorios: $ 412,500
• Servicios de auditoría y cumplimiento: $ 287,600
• Consultas legales: $ 215,300
• Capacitación de cumplimiento: $ 98,700

Gastos de marketing y adquisición de clientes

Canal de marketing	Gasto anual ($)
Marketing digital	275,000
Publicidad tradicional	187,500
Programas de adquisición de clientes	156,300

Optimumbank Holdings, Inc. (OPHC) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

A partir del cuarto trimestre de 2023, Optimumbank Holdings reportó ingresos por intereses totales de $ 5.24 millones, con un desglose de la siguiente manera:

Tipo de préstamo	Ingresos de intereses ($)
Préstamos comerciales	2,850,000
Préstamos hipotecarios residenciales	1,620,000
Préstamos al consumo	770,000

Tarifas de servicio bancario

Los ingresos de la tarifa de servicio bancario anual para 2023 totalizaron $ 1.87 millones, con la siguiente distribución:

• Tarifas de transacción de la cuenta: $ 680,000
• Tarifas de sobregiro: $ 450,000
• Tarifas de transferencia de cables: $ 340,000
• Tarifas de servicio de cajeros automáticos: $ 400,000

Comisiones de productos de inversión

Los ingresos relacionados con la inversión para 2023 alcanzaron $ 890,000, compuestos por:

Producto de inversión	Ingresos de la Comisión ($)
Ventas de fondos mutuos	420,000
Servicios de corretaje	310,000
Tarifas de gestión de patrimonio	160,000

Cargos de mantenimiento de la cuenta

Ingresos de mantenimiento de la cuenta anual total: $ 620,000

• Tarifas de la cuenta corriente: $ 280,000
• Tarifas de la cuenta de ahorro: $ 210,000
• Mantenimiento de la cuenta premium: $ 130,000

Ingresos de la transacción bancaria digital

Los ingresos por transacciones de banca digital para 2023 fueron de $ 540,000, con el siguiente desglose:

Servicio digital	Ingresos de transacción ($)
Transacciones bancarias en línea	270,000
Tarifas de banca móvil	180,000
Servicios de pago digital	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.