Optimumbank Holdings, Inc. · AMEX:OPHC
Optimumbank — Q2 2025 Earnings Presentation
21 slides from Optimumbank's earnings presentation, Jul 24, 2025
Slide 1: OptimumBank Holdings, Inc. June 30, 2025
OPTIMUMBANK HOLDINGS, INC. June 30, 2025 (NYSE American: OPHC) This presentation contains preliminary financial results for the second quarter of 2025, that are unaudited and subject to completion of year-end reporting and adjustment process. Complete audited financial statements will be provided in
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: Leadership Team
Leadership Team Experienced Team with Strong Ties to the Community Director of OptimumBank Holdings, Inc. (the “Company”) and OptimumBank (the “Bank”) since March 2010 Chief Executive Officer of Strawberry Fields REIT (NYSE: STRW), an owner of a portfolio of healthcare properties Previously, Chief F
Slide 4: Business Evolution and Milestones
Business Evolution and Milestones 2000 OptimumBank.com opened for business in 2004 Deerfield branch is opened 2004 Fort Lauderdale branch is opened 2006 OptimumBank Holdings, Inc. began trading on NASDAQ 2004 Bank changed name to OptimumBank 2020 Bank celebrated its 20-year anniversary 2Q 2025 preli
Slide 5: OptimumBank Holdings, Inc. Overview — as of 2Q 2025
OptimumBank Holdings, Inc. Overview — as of 2Q 2025 Holding Company for OptimumBank $999 Million in Total Assets Le NYSE American"); OPHC 88% Loan / Deposit ratio + Common shares outstanding: 11,751,082 * $785 million Gross loan portfolio * Stock price / Non-diluted tangible book value: 0.47 2) 3 Lo
Slide 6: Second Quarter 2025 Highlights
Second Quarter 2025 Highlights % Net Earnings: $3.6 million, a decline of $0.3 million from 1Q 2025; up $0.1 million from 2Q 2024 “ Pre-tax, Pre-provision earnings”: $5.9 million, up $0.9 million from 1Q 2025; up $1.0 million from 2Q 2024 * Tangible Book Value of $111.3 million, equaling $4.76) per
Slide 7: Florida Market Trends and Advantages
Florida Market Trends and Advantages QO Florida has a Real GDP of $1.36 trillion O Florida’s Real GDP growth is ranked second in the country Q South Florida accounts for 1/3rd of Florida GDP Q Miami-Fort Lauderdale- West Palm Beach, FL (MSA) Real GDP of $533.7 billion, growing 8.8% vs 2.9% for US 20
Slide 8: Our History, Transformation and Significant Growth and Expansion
Our History, Transformation and Significant Growth and Expansion Employee Count Total Assets ($000) Expansion of Franchise Footprint 88 73 60 585,219 48 8 38 i 878 2021 2022 2023 2024 June 30,2025 023 $999,127 $932,933 2000: First branch was opened in Plantation 2004: Deerfield branch was opened 200
Slide 9: Growth and Momentum Across all Areas
Growth and Momentum Across all Areas | Lending Deposits Noninterest Income : Total Noninterest income ($000) Gross Loans ($000) Total Deposits ($000) December 31, 2021-June 30, 2025, Noninterest Income CAGR December 31, 2021-June 30, 2025, Gross Loans CAGR December 31, 2021-June 30, 2025, Deposits C
Slide 10: Leading Core Deposit Franchise as of June 30, 2025
Leading Core Deposit Franchise as of June 30, 2025 Areas of Focus $878,865,000 |Birerelibssesics ¢ Keys to Success Vv Dedicated Deposit Relationship Managers le ¢ Noninterest Bearing Deposits v¥ Merchant Cash Advance Industry 30% + Cost of Total Interest-Bearing ° Deposits (YTD) Composition by Branc
Slide 11: Credit Trends
Credit Trends Allowance for Credit Losses / Loans (%) Non-Performing Assets / Total Assets (%) 1.22% 1.2096 1.19% 1.199% 0.81% 1.13% 1.08% 0.48% 0.32% 0.13% 0.00% 0.00% al 2021 2022 2025 2024 June30, National) 2021 2022,= 2023 «2024 = June30, National, . A OPTIMUMBANK 2025 Peers OPTIMUMBANK 2025 —-P
Slide 12: Loan Detail
Loan Detail Industry Classification Breakdown (as of June 30, 2025) Loan Growth by Loan Portfolio (December 31, 2021-June 30, 2025) Consumer, 7.64% Residential Commercial, Commercial J) 256% 6.42% Multi-family, Land and ora land and Construction J) 1521% Construction, 7.19% Consumer [I] 163% Residen
Slide 13: Strong Liquidity and Deposit Growth Trends
Strong Liquidity and Deposit Growth Trends $202MM of Available Liquidity Including Cash and unpledged Investments Available for Sale = Liquid assets as a percent of deposits is 23.0% « $296MM of Off-Balance Sheet Liquidity Sources « Including FHLB, Federal Reserve Bank, and Fed Funds lines ¢ AOCI Im
Slide 14: Go-Forward Focus
Go-Forward Focus * Continue executing strategic plan + Further hiring to support diversified lending capabilities (C&l and SBA) + Further build out and integration of fee- based income business (SBA and TM) Strategic * Continued growth in Fee Income Fi na ncial ¢ Focus on maintaining Net Interest Ma
Slide 15: Compelling Investment Opportunity
Compelling Investment Opportunity Balance Sheet Growth Per Share Growth Rates OptimumBank vs. Broader Rates Bank Universe Loan Growth CAGR Tangible Book Value Per Share & . . December 31, 2021 - June 30, 2025 Fully Diluted Tangible Book Value Per Share?) Efficiency Ratio 38.43% $9.66 $9.48 71.38% $8
Slide 16: Board of Directors
Board of Directors Moishe Gubin Chairman of the Board Director of the OptimumBank Holdings, Inc. (the “Company”) and OptimumBank (the “Bank”) since March 2010 Chief Executive Officer of Strawberry Fields REIT, LLC, an owner of a portfolio of healthcare properties Previously, Chief Financial Officer
Slide 17: Contact Information
Contact Information Corporate Headquarters Company Contacts Op TIMUMBANK Metsne cu Board & Director Phone: (954) 900-2813 OptimumBank Holdings, Inc. Email: mgubin@optimumbank.com 2929 East Commercial Boulevard Timothy Terry Suite 303 President, Chief Executive Officer Fort Lauderdale, FL 33308 Phone
Slide 18: Reconciliation of Non-GAAP Financial Disclosures
Reconciliation of Non-GAAP Financial Disclosures This presentation contains financial information determined by methods other than Generally Accepted Accounting Principles (“GAAP”). The financial highlights provides reconciliations between GAAP and adjusted financial measures including net earnings,
Slide 19: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Pre-tax, Pre-provision Earnings | ssinoony | 202025 | g2025 | 22024 | 2024 | 2023 | 2022 | 2021 Net Earnings (GAAP) $3,602 $3,870 $3,496 $13,124 $6,283 $4,023 $6,296 Plus: Income Tax Expense 1,253 1,326 1,168 4,507 2,174 1,369 (3,227) Plus: Credit Loss Expense (Revers
Slide 20: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Basic Earnings Per Share and Diluted Earnings Per Share zoasyro | 292025 | 1Q2025 | 2024 | 2023 | 2022 | 2021 Net Earnings (GAAP) $7,472 $3,602 $3,870 $13,124 $6,283 $4,023 $6,296 Weighted Average Common Shares 11,728 11,751 11,705 9,446 7,239 5955 3,899 Basic Earning
Slide 21: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Tangible Book Value Per Common Share and Per Fully Diluted Share 6/30/2025 3/31/2025 6/30/2024 | 12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 Total Stockholders’ (GAAP) and Tangible Common Equity Common Shares Outstanding Effect of Conversion of Series B Preferre