OptimumBank Holdings (NYSE American: OPHC) reported Q3 2025 net earnings of $4.32 million, up from both the prior quarter and the year-ago period, with nine-month earnings rising to $11.80 million on stronger net interest income and higher noninterest income; deposits grew $80.62 million sequentially to $959.49 million, loans rose $29.16 million to $813.72 million, total assets reached $1.08 billion, and stockholders’ equity increased to $116.89 million as the Bank delivered a 1.68 percent ROAA and a 4.37 percent net interest margin while marking its 25th anniversary with continued balance-sheet expansion and core earnings momentum.

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About OptimumBank

OptimumBank was founded in 2000 in Ft. Lauderdale, Florida. Our customers found a bank that is strongly service oriented with reasonable fees, unseen at larger financial institutions. OptimumBank is committed to supporting economic development through responsible banking and community partnerships. OptimumBank’s business and financial solutions include: Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking.

NOTE TO INVESTORS: The latest news and updates relating to OPHC are available in the company’s newsroom at https://ibn.fm/OPHC

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