Optimbank Holdings, Inc. (OPHC): Canvas du modèle commercial [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque communautaire, Optimbank Holdings, Inc. (OPHC) apparaît comme une puissance stratégique, fabriquant méticuleusement son modèle commercial pour servir les marchés locaux avec précision et innovation. En mélangeant les principes bancaires traditionnels avec des solutions numériques de pointe, OPHC a développé une toile complète du modèle commercial qui reflète une approche nuancée des services financiers, ciblant divers segments de clients tout en conservant une efficacité opérationnelle robuste et des propositions de valeur axées sur la communauté. Ce plan complexe révèle comment la banque navigue sur les écosystèmes financiers complexes, tirant parti de la technologie, des relations personnalisées et des partenariats stratégiques pour créer une expérience bancaire convaincante qui les distingue sur un marché concurrentiel.

Optimbank Holdings, Inc. (OPHC) - Modèle d'entreprise: partenariats clés

Institutions financières locales et régionales pour une collaboration potentielle

Depuis le rapport annuel de 2023, Optimbank Holdings, Inc. maintient le paysage de partenariat suivant:

Type de partenaire	Nombre de partenariats	Couverture géographique
Banques communautaires locales	7	Région de la Floride
Coopératives de crédit régionales	4	Du sud-est des États-Unis

Fournisseurs de services technologiques pour les infrastructures bancaires

L'écosystème du partenariat technologique d'Optimumbank comprend:

• Jack Henry & Associés (Core Banking Plategle Provider)
• Fiserv (Digital Banking Solutions)
• Visa Inc. (traitement des paiements)

Entreprises de conformité réglementaire

Partenaire de conformité	Services fournis	Valeur du contrat annuel
AML Solutions Inc.	Surveillance anti-blanchiment	$185,000
Conformianceease LLC	Gestion des risques réglementaires	$142,500

Partenaires de produits d'assurance et d'investissement

Détails de la collaboration d'investissement et d'assurance:

• Assurance nationale (distribution des produits)
• Raymond James Financial (services d'investissement)
• Lincoln Financial Group (Retirement Products)

Contribution totale des revenus de partenariat en 2023: 2,3 millions de dollars

Optimbank Holdings, Inc. (OPHC) - Modèle d'entreprise: activités clés

Services bancaires communautaires et commerciaux

Au quatrième trimestre 2023, Optimbank Holdings a déclaré un actif total de 241,9 millions de dollars. La banque opère principalement en Floride avec 6 succursales.

Catégorie de service	Volume total	Revenus annuels
Comptes de chèques personnels	12 453 comptes	1,2 million de dollars
Comptes de chèques d'entreprise	3 287 comptes	2,4 millions de dollars

Opérations de dépôt et de prêt

Portfolio total des prêts au 31 décembre 2023: 203,4 millions de dollars.

• Prêts immobiliers commerciaux: 124,6 millions de dollars
• Prêts hypothécaires résidentiels: 58,2 millions de dollars
• Prêts à la consommation: 20,6 millions de dollars

Conseil financier et gestion de la patrimoine

Service	Total des clients	Actifs sous gestion
Gestion de la richesse	1 245 clients	87,3 millions de dollars
Avis d'investissement	892 clients	62,5 millions de dollars

Développement de la plate-forme bancaire numérique

Transactions bancaires numériques en 2023: 2,1 millions de transactions

• Utilisateurs des banques mobiles: 18,750
• Utilisateurs bancaires en ligne: 22 400
• Taux de croissance des transactions numériques: 14,3%

Compliance et gestion des risques

Budget de conformité réglementaire pour 2024: 1,7 million de dollars

Zone de conformité	Investissement annuel
Représentation réglementaire	$620,000
Systèmes de gestion des risques	$980,000
Cybersécurité	$100,000

Optimbank Holdings, Inc. (OPHC) - Modèle commercial: Ressources clés

Licences bancaires et approbations réglementaires

Au 31 décembre 2023, Optimbank Holdings, Inc. Hold:

• Licence bancaire du Bureau de la Floride (OFR) Bureau financier (OFR)
• Certificat Federal Deposit Insurance Corporation (FDIC) # 16624

Infrastructure de technologie bancaire numérique

Composant technologique	Spécification
Système bancaire de base	Jack Henry & Associates Episys Platform
Plateforme bancaire en ligne	Solution Web propriétaire
Application bancaire mobile	iOS et Android compatible

Professionnels financiers qualifiés

Au quatrième trimestre 2023:

• Total des employés: 52
• Expérience professionnelle moyenne: 8,5 ans
• Équipe de direction exécutive: 5 membres

Base de données client et réseaux de relations

Segment de clientèle	Comptes totaux
Comptes de chèques personnels	4,237
Comptes bancaires d'entreprise	612
Comptes d'épargne	3,891

Réserves de capital et actifs financiers

Mesures financières au 31 décembre 2023:

• Total des actifs: 214,6 millions de dollars
• Dépôts totaux: 193,2 millions de dollars
• Ratio de capital de niveau 1: 12,4%
• Portefeuille de prêts: 168,3 millions de dollars

Optimbank Holdings, Inc. (OPHC) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Au quatrième trimestre 2023, Optimbank Holdings dessert 4 comtés en Floride avec un actif total de 159,7 millions de dollars. La banque maintient 4 succursales à service complet avec un taux moyen de pénétration bancaire communautaire de 22,3% dans ses régions ciblées.

Segment de marché	Clientèle	Taille moyenne du compte
Banque de détail locale	12 436 clients	$37,500
Banque des petites entreprises	847 Comptes commerciaux	$124,600

Taux d'intérêt concurrentiels sur les dépôts et les prêts

En janvier 2024, Optimbank propose:

• Taux de compte d'épargne: 3,25%
• Taux de compte du marché monétaire: 3,75%
• Taux de CD à 12 mois: 4,50%
• Taux de prêt pour les petites entreprises: 7,25%
• Taux hypothécaire résidentiel: 6,85%

Service client réactif

Les mesures de service client pour 2023 indiquent:

Métrique de service	Performance
Temps de réponse moyen	12 minutes
Taux de satisfaction client	87.6%
Disponibilité du support numérique	24/7

Expériences bancaires numériques et traditionnelles intégrées

Taux d'adoption des banques numériques en 2023: 64,3% de la clientèle totale. Les fonctionnalités de l'application bancaire mobile comprennent:

• Dépôt de chèques mobiles
• Alertes de compte en temps réel
• Transferts entre pairs
• Retraits ATM sans carte

Produits financiers sur mesure pour les petites et moyennes entreprises

Portefeuille de produits bancaires d'entreprise pour 2024:

Produit	Volume total	Taille moyenne du prêt
Vérification des affaires	42,3 millions de dollars	$87,500
Secteur de crédit commercial	18,7 millions de dollars	$250,000
Financement de l'équipement	12,4 millions de dollars	$175,000

Optimbank Holdings, Inc. (OPHC) - Modèle d'entreprise: relations clients

Consultations bancaires personnelles

En 2024, Optimbank Holdings fournit consultations bancaires personnelles en branche avec les mesures suivantes:

Type de consultation	Durée moyenne	Engagement annuel du client
Consultation bancaire individuelle	45 minutes	3 672 clients
Consultation de gestion de la patrimoine	60 minutes	1 248 clients

Assistance bancaire en ligne et mobile

Les canaux de support bancaire numérique comprennent:

• Prise en charge de l'application mobile: disponibilité 24/7
• Support de chat en ligne: temps de réponse en moins de 3 minutes
• Volume de service client numérique: 87 456 interactions mensuelles

Gestion des relations pour les clients commerciaux

Segment d'entreprise	Gestionnaires de relations dédiées	Taille moyenne du portefeuille
Petite entreprise	12 gestionnaires	42,3 millions de dollars
Banque commerciale	6 gestionnaires	218,7 millions de dollars

Initiatives d'engagement communautaire

Métriques d'interaction communautaire:

• Parrainages d'événements locaux: 24 événements par an
• Ateliers de littératie financière: 36 séances par an
• Investissement communautaire: 378 000 $ en 2024

Programmes d'éducation financière réguliers

Type de programme	Fréquence	Comptage des participants
Séminaires de planification de la retraite	Trimestriel	672 participants
Webinaires de stratégie d'investissement	Mensuel	1 248 participants

Optimbank Holdings, Inc. (OPHC) - Modèle d'entreprise: canaux

Réseau de succursale bancaire physique

En 2024, Optimbank Holdings maintient 12 succursales bancaires physiques situées en Floride. L'empreinte de branche totale couvre environ 8 500 pieds carrés.

Type d'emplacement de la succursale	Nombre de branches
Emplacements urbains	7
Lieux de banlieue	5

Plateforme bancaire en ligne

Prise en charge de la plate-forme numérique d'Optimumbank Plus de 15 000 utilisateurs bancaires en ligne actifs. La plate-forme fournit les services de base suivants:

• Suivi du solde du compte
• Transferts de fonds
• Services de paiement de factures
• Historique des transactions

Application bancaire mobile

L'application bancaire mobile a 8 752 utilisateurs actifs mensuels En décembre 2023. Les fonctionnalités de l'application mobile clés comprennent:

• Dépôt de chèques mobiles
• Alertes de transaction en temps réel
• Authentification biométrique
• Gestion des cartes

Centre d'appels de service client

Métrique	Valeur
Représentants du centre d'appels	22
Volume d'appel mensuel moyen	4 375 appels
Temps de résolution des appels moyens	8,3 minutes

Réseau ATM

Optimumbank fonctionne 18 machines ATM propriétaires à travers ses régions de service.

Type d'emplacement ATM	Nombre de distributeurs automatiques de billets
Implices des succursales bancaires	12
Emplacements ATM autonomes	6

Optimbank Holdings, Inc. (OPHC) - Modèle d'entreprise: segments de clientèle

Clients locaux résidentiels résidentiels

Depuis le quatrième trimestre 2023, Optimbank Holdings dessert environ 12 500 clients locaux de banque résidentielle dans sa principale zone de marché.

Client démographique	Pourcentage	Solde moyen du compte
25-44 ans	38%	$24,750
45 à 64 ans	42%	$47,500
65 ans et plus	20%	$62,300

Petites et moyennes entreprises

Optimbank Holdings prend en charge 673 comptes commerciaux de petite et moyenne taille en décembre 2023.

• Taille moyenne des prêts commerciaux: 187 500 $
• Portfolio de prêts commerciaux totaux: 126,4 millions de dollars
• Secteurs d'entreprise servis: Retail, services professionnels, soins de santé, construction

Fournisseurs de services professionnels

Catégorie professionnelle	Nombre de clients	Revenus annuels moyens
Avocats	87	$425,000
Médecins	112	$612,000
Consultants	64	$285,000

Organisations communautaires locales

Optimbank Holdings dessert 42 organisations communautaires locales avec des services bancaires spécialisés.

• Organisations à but non lucratif: 24
• Institutions éducatives: 8
• Organisations religieuses: 10
• Dépôts totaux d'organisation communautaire: 3,7 millions de dollars

Investisseurs individuels

La banque soutient 1 245 comptes d'investissement individuels à partir de 2023.

Investissement Profile	Nombre d'investisseurs	Valeur de portefeuille moyenne
Investisseurs conservateurs	512	$215,000
Investisseurs modérés	436	$387,500
Investisseurs agressifs	297	$525,000

Optimbank Holdings, Inc. (OPHC) - Modèle d'entreprise: Structure des coûts

Frais bancaires opérationnels

Depuis les derniers rapports financiers pour Optimbank Holdings, Inc., les dépenses bancaires opérationnelles sont structurées comme suit:

Catégorie de dépenses	Coût annuel ($)
Opérations de succursale	1,245,000
Traitement des transactions	687,500
Gestion des espèces	412,300

Maintenance des infrastructures technologiques

Les coûts des infrastructures technologiques pour Optimbank Holdings comprennent:

• Maintenance du système bancaire de base: 524 000 $
• Infrastructure de cybersécurité: 378 200 $
• Systèmes de réseau et de communication: 296 500 $
• Licence et mises à jour logicielles: 215 700 $

Salaires et avantages sociaux des employés

Catégorie des employés	Compensation annuelle ($)
Rémunération des dirigeants	1,850,000
Salaires du personnel bancaire	3,675,000
Avantages sociaux	1,245,000

Coûts de conformité réglementaire

Répartition des dépenses de conformité réglementaire:

• Représentation réglementaire: 412 500 $
• Services d'audit et de conformité: 287 600 $
• Consultations juridiques: 215 300 $
• Formation en conformité: 98 700 $

Frais de marketing et d'acquisition des clients

Canal de marketing	Dépenses annuelles ($)
Marketing numérique	275,000
Publicité traditionnelle	187,500
Programmes d'acquisition de clients	156,300

Optimbank Holdings, Inc. (OPHC) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Au quatrième trimestre 2023, Optimbank Holdings a déclaré que les revenus d'intérêts totaux de 5,24 millions de dollars, avec une ventilation comme suit:

Type de prêt	Revenu des intérêts ($)
Prêts commerciaux	2,850,000
Prêts hypothécaires résidentiels	1,620,000
Prêts à la consommation	770,000

Frais de service bancaire

Les revenus annuels des frais de service bancaire pour 2023 ont totalisé 1,87 million de dollars, la distribution suivante:

• Frais de transaction de compte: 680 000 $
• Frais de découvert: 450 000 $
• Frais de transfert de fil: 340 000 $
• Frais de service ATM: 400 000 $

Commissions de produits d'investissement

Les revenus liés aux investissements pour 2023 ont atteint 890 000 $, composé de:

Produit d'investissement	Revenus de commission ($)
Ventes de fonds communs de placement	420,000
Services de courtage	310,000
Frais de gestion de la patrimoine	160,000

Frais de maintenance du compte

Revenus de maintenance annuelle totale du compte: 620 000 $

• Frais de compte chèques: 280 000 $
• Frais de compte d'épargne: 210 000 $
• Maintenance du compte Premium: 130 000 $

Revenus des transactions bancaires numériques

Les revenus des transactions bancaires numériques pour 2023 étaient de 540 000 $, avec la ventilation suivante:

Service numérique	Revenus de transaction ($)
Transactions bancaires en ligne	270,000
Frais de banque mobile	180,000
Services de paiement numérique	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.