Optimumbank Holdings, Inc. · AMEX:OPHC
Optimumbank — Shareholder Meeting (April 2026)
27 slides from Optimumbank's shareholder meeting presentation, Apr 27, 2026
Slide 1: Annual Shareholder Meeting
Annual Shareholder Meeting April 28, 2026 (NYSE American: OPHC) This presentation contains preliminary financial results for the first quarter of 2026 that are unaudited and subject to completion of quarter-end reporting and adjustment process. Complete unaudited financial statements will be provide
Slide 2: Forward-Looking Statements
Forward-Looking Statements This presentation contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect” and words of similar meaning. These forward-looking statements include but are not
Slide 3: Annual Shareholder Meeting Agenda
Annual Shareholder Meeting Agenda • 1. Introductory remarks by Moishe Gubin Chairman of the Board • 2. Introduction of Board of Directors • 3. Introduction of Management • 4. Affidavit of Mailing Notice of Meeting • 5. Appointment of Inspector • 6. Determination of Quorum • 7. Call for Vote on Propo
Slide 4: 2025 Highlights
2025 Highlights ❖ Achieved significant asset growth, surpassing the $1 billion milestone, with total assets increasing over 19% from $933MM to over $1.1 billion ❖ Stockholders’ equity ended at a record high of approximately $122MM, up over 18% from $103MM in 2024 ❖ Net earnings hit a record $16.6MM
Slide 5: Balance Sheet Growth
Balance Sheet Growth $ in millions 10-Year Balance Sheet Growth (2016-2025) 1,200 Total Assets Total Deposits Stockholders' Equity 1,112 1,100 1,000 933 933 900 791 772 800 700 640 585 600 508 500 400 352 292 300 235 191 200 120 127 122 86 96 99 101 103 100 65 62 63 70 18 39 3 3 5 7 - 2016 2017 2018
Slide 6: Balance Sheet Comparison March 31, 2026 (Unaudited)
Balance Sheet Comparison March 31, 2026 (Unaudited) $ in millions Q1 2025 vs Q1 2026 Balance Sheet Comparison Q1 2025 Q1 2026 1,500 1,400 1,300 1,269 1,200 1,091 1,093 1,100 977 1,000 900 853 800 800 700 600 500 400 300 200 127 108 100 0 Assets Loans Deposits Equity 6
Slide 7: Earnings Component Growth
Earnings Component Growth $ in thousands 10-Year Earnings Growth (2016-2025) 80,000 Credit Loss Expense Noninterest Income 71.1M 70,000 Net Income Total Revenue 64.3M 60,000 50,000 39.2M 40,000 30,000 22.8M 20,000 12.2M 10,000 7.0M 4.6M 4.8M 4.4M 5.4M 0 2016 2017 2018 2019 2020 2021 2022 2023 2024 2
Slide 8: Earnings Comparison March 31, 2026 (Unaudited)
Earnings Comparison March 31, 2026 (Unaudited) $ in millions Q1 Earnings Comparison: 2025 vs 2026 20 19.45 Q1 2025 15.01 Q1 2026 15 13.19 12.42 9.43 9.59 10 8.01 6.26 6.20 5.58 5.63 5.20 4.66 5 3.87 1.78 1.33 1.54 0.77 1.23 (0.17) 0 -5 8
Slide 9: Net Interest Margin Growth
Net Interest Margin Growth 10- Year Net Interest Margin (NIM) Trend (2016-2025) 4.50% 4.28% 4.00% 3.75% 3.83% 3.56% 3.53% 3.50% 3.39% 3.12% 3.19% 3.14% 3.00% 2.89% NIM (%) 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 9
Slide 10: Return on Average Equity Comparison
Return on Average Equity Comparison Return on Average Equity (ROAE) – FY 2024 & FY 2025 ROAE (Net Income) ROAE Core (1) 30.0% 25.0% 23.12% 21.56% 20.0% 15.28% 14.83% 15.0% 10.0% 5.0% 0.0% 2024 Year 2025 (1) Non-GAAP measure, defined as net income excluding taxes and credit loss expense divided by av
Slide 11: Strong Core Deposit Franchise
Strong Core Deposit Franchise YE 2025 Q1 2026 $931,750,000 • Total Deposits $1,092,883,000 • Total Deposits $266,520,000 • Noninterest Bearing Deposits $304,887,000 • Noninterest Bearing Deposits 3.47% • Cost of Total Interest-Bearing Deposits 3.26% • Cost of Total Interest-Bearing Deposits Deposit
Slide 12: Deposit Composition Comparison March 31, 2026 (Unaudited)
Deposit Composition Comparison March 31, 2026 (Unaudited) YE 2025 Deposit Composition Q1 2026 Deposit Composition 10.2% 10.7% 38.5% 40.5% 22.7% 20.9% 27.9% 28.6% NOW and Savings Money Market NOW and Savings Money Market Noninterest bearing DDA Time Deposits Noninterest bearing DDA Time Deposits 12
Slide 13: Details on Loan Portfolio Quality as of March 31, 2026
Details on Loan Portfolio Quality as of March 31, 2026 ❖ Owner Occupied Office 17 Loans totaling $16.91MM Top five deal sizes: $2.98MM, $2.67MM, $2.21MM, $1.40MM, $1.22MM ❖ Investor-Owned Office 24 Loans totaling $158.97MM Top five deal sizes: $26.50MM, $17.38MM, $15.39MM, $15.37MM, $9.51MM ❖ Hotels
Slide 14: OptimumBank Holdings, Inc. Overview as of December 31, 2025
OptimumBank Holdings, Inc. Overview as of December 31, 2025 Holding Company for OptimumBank $1.1 Billion in Total Assets NYSE American: OPHC • 102% Net Loans / Deposits ratio • Common shares outstanding: 11,533,943 • $959 million Gross loan portfolio • Stock price / Non-diluted tangible book value:
Slide 15: OPHC Tangible Book Value Per Diluted Share 2021 to 2025
OPHC Tangible Book Value Per Diluted Share on Dec. 31, 2021 to 2025 Year TBV Per Share (Diluted)(1) Annual % Change 2021 $3.11 — 2022 $3.44 +10.6% 2023 $3.81 +10.8% 2024 $4.43 +16.3% 2025 $5.18 +16.9% $6.00 Tangible Book Value Per Diluted Share $5.18 $5.00 $4.43 $4.00 $3.81 $3.44 $3.11 $3.00 $2.00 $
Slide 16: Conclusion
Conclusion ❖ Tally the Votes ❖ Answer Questions ❖ End of OptimumBank Holdings, Inc. 2026 Shareholder Meeting and Investor Day For further information about OptimumBank, please email Seth Denison, at Sdenison@OptimumBank.com 16
Slide 17: Appendix
Appendix OPTIMUMBANK HOLDINGS, INC.
Slide 18: Board of Directors
Board of Directors Moishe Gubin • Director of the OptimumBank Holdings, Inc. (Company) and OptimumBank (Bank) since March 2010 Chairman of the Board • Chief Executive Officer of Strawberry Fields REIT, LLC, an owner of a portfolio of healthcare properties • Previously, Chief Financial Officer and ma
Slide 19: Leadership Team
Leadership Team Experienced Team with Strong Ties to the Community Moishe Gubin • Director of OptimumBank Holdings, Inc. (Company) and OptimumBank (Bank) since March 2010 Chairman of the Board • Chief Executive Officer of Strawberry Fields REIT (NYSE: STRW), an owner of a portfolio of healthcare pro
Slide 20: Balance Sheet as of December 31, 2025
Balance Sheet as of December 31, 2025 Assets Liabilities Total cash and cash equivalents 114,559 Noninterest Bearing Deposits 266,520 Debt securities available for sale 25,184 Interest bearing Deposits 665,230 Debt securities held-to-maturity 214 Total deposits 931,750 Loans, net of allowance for cr
Slide 21: Balance Sheet as of March 31, 2026 (Unaudited)
Balance Sheet as of March 31, 2026 (Unaudited) Assets Liabilities Total cash and cash equivalents 140,016 Noninterest Bearing Deposits 304,887 Debt securities available for sale 27,044 Interest bearing Deposits 787,996 Debt securities held-to-maturity 212 Total deposits 1,092,883 Loans, net of allow
Slide 22: Statement of Earnings as of YE December 31, 2025
Statement of Earnings as of YE December 31, 2025 Interest income $ in thousands Loans 57,146 Debt securities/Other 7,208 Total interest income 64,354 Interest expense Deposits 21,434 Borrowings 333 Total interest expense 21,767 Net interest income 42,587 Credit loss expense 2,036 Net interest income
Slide 23: Statement of Earnings as of March 31, 2026 (Unaudited)
Statement of Earnings as of March 31, 2026 (Unaudited) Interest income $ in thousands Loans 18,114 Debt securities/Other 1,339 Total interest income 19,453 Interest expense Deposits 6,176 Borrowings 87 Total interest expense 6,263 Net interest income 13,190 Credit loss expense 770 Net interest incom
Slide 24: Loan Detail as of December 31, 2025
Loan Detail as of December 31, 2025 Loan Growth by Loan Portfolio (2021-2025) $ in thousands 700,000 2021 2022 2023 2024 2025 600,000 500,000 400,000 300,000 200,000 100,000 0 Land and Commercial RE Multi Family RE Residential RE Consumer Commercial Construction 2021 129,468 48,592 32,583 22,827 3,7
Slide 25: Loan Detail as of December 31, 2025
Loan Detail as of December 31, 2025 Industry Classification Breakdown Loan Growth by Loan Portfolio (2021-2025) Consumer, 7.11% Residential, Commercial, 7.72% 5.03% Multi-family, Commercial 240% Land and 6.85% Construction, Land and Construction 860% 3.78% Consumer 199% Residential Real Estate 127%
Slide 26: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Pre-tax, Pre-provision Earnings ($s in 000s) 1Q 2026 1Q 2025 2025 2024 2023 2022 2021 Net Income (GAAP) $4,663 $3,870 $16,648 $13,124 $6,283 $4,023 $6,296 Plus: Income Tax Expense 1,535 1,326 5,523 4,507 2,174 1,369 (3,227) Plus: Credit Loss Expense 770 (165) 2,036 2,
Slide 27: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Tangible Book Value Per Common Share and Diluted Share ($ and number of shares in 000s) 3/31/2026 12/31/2025 12/31/2024 12/31/2023 12/31/2022 12/31/2021 Total Stockholders’ (GAAP) and Tangible Common Equity $126,848 $121,897 $103,184 $70,007 $62,580 $38,510 Common Sha
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