Optimumbank Holdings, Inc. (OPHC): Modelo de negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do Community Banking, o Optimumbank Holdings, Inc. (OPHC) surge como uma potência estratégica, elaborando meticulosamente seu modelo de negócios para atender mercados locais com precisão e inovação. Ao misturar princípios bancários tradicionais com soluções digitais de ponta, a OPHC desenvolveu uma tela abrangente de modelo de negócios que reflete uma abordagem diferenciada para serviços financeiros, direcionando diversos segmentos de clientes, mantendo a eficiência operacional robusta e as propostas de valor focadas na comunidade. Esse projeto intrincado revela como o banco navega em ecossistemas financeiros complexos, alavancando a tecnologia, relacionamentos personalizados e parcerias estratégicas para criar uma experiência bancária atraente que os diferencia em um mercado competitivo.

Optimumbank Holdings, Inc. (OPHC) - Modelo de negócios: Parcerias -chave

Instituições financeiras locais e regionais para colaboração potencial

Até o relatório anual de 2023, a Optimumbank Holdings, Inc. mantém o seguinte cenário de parceria:

Tipo de parceiro	Número de parcerias	Cobertura geográfica
Bancos comunitários locais	7	Região da Flórida
Cooperativas de crédito regionais	4	Sudeste dos Estados Unidos

Provedores de serviços de tecnologia para infraestrutura bancária

O ecossistema de parceria de tecnologia do Optimumbank inclui:

• Jack Henry & Associados (provedor de plataforma bancária principal)
• Fiserv (Digital Banking Solutions)
• Visa Inc. (processamento de pagamentos)

Empresas de conformidade regulatória

Parceiro de conformidade	Serviços prestados	Valor anual do contrato
AML Solutions Inc.	Monitoramento de lavagem de dinheiro	$185,000
Conformentiease LLC	Gerenciamento de riscos regulatórios	$142,500

Parceiros de produtos de seguro e investimento

Detalhes de colaboração de investimento e seguro:

• Seguro em todo o país (distribuição de produtos)
• Raymond James Financial (Serviços de Investimento)
• Lincoln Financial Group (produtos de aposentadoria)

Contribuição total da receita da parceria em 2023: US $ 2,3 milhões

Optimumbank Holdings, Inc. (OPHC) - Modelo de negócios: Atividades -chave

Serviços bancários comunitários e comerciais

A partir do quarto trimestre de 2023, a Optimumbank Holdings registrou ativos totais de US $ 241,9 milhões. O banco opera principalmente na Flórida, com 6 localizações de agências.

Categoria de serviço	Volume total	Receita anual
Contas de corrente pessoal	12.453 contas	US $ 1,2 milhão
Contas de corrente de negócios	3.287 contas	US $ 2,4 milhões

Operações de depósito e empréstimo

Portfólio total de empréstimos em 31 de dezembro de 2023: US $ 203,4 milhões.

• Empréstimos imobiliários comerciais: US $ 124,6 milhões
• Empréstimos de hipoteca residencial: US $ 58,2 milhões
• Empréstimos ao consumidor: US $ 20,6 milhões

Conselho financeiro e gestão de patrimônio

Serviço	Total de clientes	Ativos sob gestão
Gestão de patrimônio	1.245 clientes	US $ 87,3 milhões
Aviso de investimento	892 clientes	US $ 62,5 milhões

Desenvolvimento da plataforma bancária digital

Transações bancárias digitais em 2023: 2,1 milhões de transações

• Usuários bancários móveis: 18.750
• Usuários bancários online: 22.400
• Taxa de crescimento da transação digital: 14,3%

Conformidade e gerenciamento de riscos

Orçamento de conformidade regulatória para 2024: US $ 1,7 milhão

Área de conformidade	Investimento anual
Relatórios regulatórios	$620,000
Sistemas de gerenciamento de riscos	$980,000
Segurança cibernética	$100,000

Optimumbank Holdings, Inc. (OPHC) - Modelo de negócios: Recursos -chave

Licenças bancárias e aprovações regulatórias

Em 31 de dezembro de 2023, a Optimumbank Holdings, Inc. detém:

• Licença bancária do Escritório de Regulamentação Financeira da Flórida (OFR)
• Certificado Federal Deposit Insurance Corporation (FDIC) #16624

Infraestrutura de tecnologia bancária digital

Componente de tecnologia	Especificação
Sistema bancário principal	Jack Henry & Plataforma de Episys associada
Plataforma bancária online	Solução proprietária baseada na Web
Aplicativo bancário móvel	iOS e Android compatíveis

Profissionais financeiros qualificados

A partir do quarto trimestre 2023:

• Total de funcionários: 52
• Experiência profissional média: 8,5 anos
• Equipe de gestão executiva: 5 membros

Banco de dados de clientes e redes de relacionamento

Segmento de clientes	Contas totais
Contas de corrente pessoal	4,237
Contas bancárias de negócios	612
Contas de poupança	3,891

Reservas de capital e ativos financeiros

Métricas financeiras em 31 de dezembro de 2023:

• Total de ativos: US $ 214,6 milhões
• Total de depósitos: US $ 193,2 milhões
• Tier 1 Capital Ratio: 12,4%
• Portfólio de empréstimos: US $ 168,3 milhões

Optimumbank Holdings, Inc. (OPHC) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para comunidades locais

A partir do quarto trimestre de 2023, o Optimumbank Holdings atende a 4 municípios da Flórida com ativos totais de US $ 159,7 milhões. O Banco mantém 4 locais de agências de serviço completo com uma taxa média de penetração bancária da comunidade de 22,3% em suas regiões direcionadas.

Segmento de mercado	Base de clientes	Tamanho médio da conta
Banco local de varejo local	12.436 clientes	$37,500
Bancos de pequenas empresas	847 Contas de negócios	$124,600

Taxas de juros competitivas sobre depósitos e empréstimos

Em janeiro de 2024, o Optimumbank oferece:

• Taxa da conta poupança: 3,25%
• Taxa de conta do mercado monetário: 3,75%
• Taxa de CD de 12 meses: 4,50%
• Taxa de empréstimo para pequenas empresas: 7,25%
• Taxa de hipoteca residencial: 6,85%

Atendimento ao cliente responsivo

As métricas de atendimento ao cliente para 2023 indicam:

Métrica de serviço	Desempenho
Tempo médio de resposta	12 minutos
Taxa de satisfação do cliente	87.6%
Disponibilidade de suporte digital	24/7

Experiências bancárias digitais e tradicionais integradas

Taxa de adoção bancária digital em 2023: 64,3% da base total de clientes. Os recursos do aplicativo bancário móvel incluem:

• Depósito de cheque móvel
• Alertas de conta em tempo real
• Transferências ponto a ponto
• Retiradas de caixas eletrônicos sem cartão

Produtos financeiros personalizados para pequenas e médias empresas

Portfólio de produtos bancários de negócios para 2024:

Produto	Volume total	Tamanho médio do empréstimo
Verificação de negócios	US $ 42,3 milhões	$87,500
Linha de crédito comercial	US $ 18,7 milhões	$250,000
Financiamento de equipamentos	US $ 12,4 milhões	$175,000

Optimumbank Holdings, Inc. (OPHC) - Modelo de Negócios: Relacionamentos do Cliente

Consultas bancárias pessoais

A partir de 2024, o Optimumbank Holdings fornece consultas bancárias pessoais no ramo com as seguintes métricas:

Tipo de consulta	Duração média	Engajamento anual do cliente
Consulta bancária individual	45 minutos	3.672 clientes
Consulta de gerenciamento de patrimônio	60 minutos	1.248 clientes

Suporte bancário online e móvel

Os canais de suporte bancário digital incluem:

• Suporte ao aplicativo móvel: disponibilidade 24/7
• Suporte ao bate -papo on -line: tempo de resposta abaixo de 3 minutos
• Volume de atendimento ao cliente digital: 87.456 interações mensais

Gerenciamento de relacionamento para clientes de negócios

Segmento de negócios	Gerentes de relacionamento dedicados	Tamanho médio do portfólio
Pequenas empresas	12 gerentes	US $ 42,3 milhões
Banco corporativo	6 gerentes	US $ 218,7 milhões

Iniciativas de engajamento da comunidade

Métricas de interação comunitária:

• Patrocínio de eventos locais: 24 eventos anualmente
• Oficinas de alfabetização financeira: 36 sessões por ano
• Investimento comunitário: US $ 378.000 em 2024

Programas regulares de educação financeira

Tipo de programa	Freqüência	Contagem de participantes
Seminários de planejamento da aposentadoria	Trimestral	672 participantes
Webinars de estratégia de investimento	Mensal	1.248 participantes

Optimumbank Holdings, Inc. (OPHC) - Modelo de negócios: canais

Rede de agência bancária física

A partir de 2024, o Optimumbank Holdings mantém 12 agências bancárias físicas localizadas na Flórida. A pegada total da filial cobre aproximadamente 8.500 pés quadrados.

Tipo de localização da filial	Número de ramificações
Locais urbanos	7
Locais suburbanos	5

Plataforma bancária online

A plataforma digital do Optimumbank suporta Mais de 15.000 usuários bancários online ativos. A plataforma fornece os seguintes serviços principais:

• Rastreamento do saldo da conta
• Transferências de fundos
• Serviços de pagamento da conta
• Histórico de transações

Aplicativo bancário móvel

O aplicativo bancário móvel tem 8.752 usuários ativos mensais Em dezembro de 2023. Os principais recursos do aplicativo móvel incluem:

• Depósito de cheque móvel
• Alertas de transações em tempo real
• Autenticação biométrica
• Gerenciamento de cartões

Atendimento ao cliente Call Center

Métrica	Valor
Representantes totais de call center	22
Volume médio mensal de chamada	4.375 chamadas
Tempo médio de resolução de chamadas	8,3 minutos

Rede ATM

Otimumbank opera 18 caixas eletrônicos proprietários em suas regiões de serviço.

Tipo de localização do ATM	Número de caixas eletrônicos
Locais da agência bancária	12
Locais autônomos ATM	6

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

Clientes bancários residenciais locais

A partir do quarto trimestre 2023, o Optimumbank Holdings atende a aproximadamente 12.500 clientes bancários residenciais locais em sua área de mercado principal.

Demografia demográfica do cliente	Percentagem	Saldo médio da conta
Idade 25-44	38%	$24,750
Idade 45-64	42%	$47,500
65 anos ou mais	20%	$62,300

Pequenas e médias empresas

O Optimumbank Holdings suporta 673 contas comerciais pequenas e médias em dezembro de 2023.

• Tamanho médio de empréstimo comercial: US $ 187.500
• Portfólio de empréstimos comerciais totais: US $ 126,4 milhões
• Setores de negócios servidos: varejo, serviços profissionais, saúde, construção

Provedores de serviços profissionais

Categoria profissional	Número de clientes	Receita média anual
Advogados	87	$425,000
Médicos	112	$612,000
Consultores	64	$285,000

Organizações comunitárias locais

A Optimumbank Holdings atende 42 organizações comunitárias locais com serviços bancários especializados.

• Organizações sem fins lucrativos: 24
• Instituições educacionais: 8
• Organizações religiosas: 10
• Total de depósitos de organização comunitária: US $ 3,7 milhões

Investidores individuais

O banco suporta 1.245 contas de investimento individuais a partir de 2023.

Investimento Profile	Número de investidores	Valor médio do portfólio
Investidores conservadores	512	$215,000
Investidores moderados	436	$387,500
Investidores agressivos	297	$525,000

Optimumbank Holdings, Inc. (OPHC) - Modelo de negócios: estrutura de custos

Despesas bancárias operacionais

A partir dos mais recentes relatórios financeiros da Optimumbank Holdings, Inc., as despesas bancárias operacionais são estruturadas da seguinte forma:

Categoria de despesa	Custo anual ($)
Operações de ramificação	1,245,000
Processamento de transações	687,500
Gerenciamento de caixa	412,300

Manutenção de infraestrutura de tecnologia

Os custos de infraestrutura de tecnologia para participações do Optimumbank incluem:

• Manutenção do sistema bancário principal: US $ 524.000
• Infraestrutura de segurança cibernética: US $ 378.200
• Sistemas de rede e comunicação: US $ 296.500
• Licenciamento e atualizações de software: US $ 215.700

Salários e benefícios dos funcionários

Categoria de funcionários	Compensação anual ($)
Compensação executiva	1,850,000
Salários da equipe bancária	3,675,000
Benefícios dos funcionários	1,245,000

Custos de conformidade regulatória

Avaria das despesas regulatórias de conformidade:

• Relatórios regulatórios: US $ 412.500
• Serviços de auditoria e conformidade: US $ 287.600
• Consultas legais: US $ 215.300
• Treinamento de conformidade: US $ 98.700

Despesas de marketing e aquisição de clientes

Canal de marketing	Gastos anuais ($)
Marketing digital	275,000
Publicidade tradicional	187,500
Programas de aquisição de clientes	156,300

Optimumbank Holdings, Inc. (OPHC) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

A partir do quarto trimestre de 2023, a Optimumbank Holdings relatou receita total de juros de US $ 5,24 milhões, com um colapso da seguinte forma:

Tipo de empréstimo	Receita de juros ($)
Empréstimos comerciais	2,850,000
Empréstimos hipotecários residenciais	1,620,000
Empréstimos ao consumidor	770,000

Taxas de serviço bancário

A receita anual da taxa de serviço bancário para 2023 totalizou US $ 1,87 milhão, com a seguinte distribuição:

• Taxas de transação de conta: $ 680.000
• Taxas de cheque especial: US $ 450.000
• Taxas de transferência de fio: $ 340.000
• Taxas de serviço ATM: US $ 400.000

Comissões de produtos de investimento

A receita relacionada ao investimento para 2023 atingiu US $ 890.000, composta por:

Produto de investimento	Receita da Comissão ($)
Vendas de fundos mútuos	420,000
Serviços de corretagem	310,000
Taxas de gerenciamento de patrimônio	160,000

Taxas de manutenção de conta

Receita anual de manutenção de conta anual: US $ 620.000

• Taxas de conta corrente: US $ 280.000
• Taxas da conta poupança: US $ 210.000
• Manutenção da conta premium: US $ 130.000

Receita de transação bancária digital

A receita de transações bancárias digitais para 2023 foi de US $ 540.000, com a seguinte quebra:

Serviço digital	Receita de transação ($)
Transações bancárias online	270,000
Taxas bancárias móveis	180,000
Serviços de pagamento 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.