Optimumbank Holdings, Inc. · AMEX:OPHC
Optimumbank — Q2 2026 Earnings Presentation
20 slides from Optimumbank's earnings presentation, Aug 13, 2026
Slide 1: Second Quarter 2026 Earnings Presentation
June 30, 2026 (NYSE American: OPHC) Released on July 24, 2026 This presentation contains preliminary financial results for the second 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: Leadership Team
Leadership Team Experienced Team with Strong Ties to the Community Moishe Gubin • Chief Executive Officer of the OptimumBank Holdings, Inc. (the "Company") and OptimumBank (the CEO, "Bank") since May 2026 Chairman of the Board • Director of OptimumBank Holdings, Inc. (the “Company”) and OptimumBank
Slide 4: Business Evolution and Milestones
Business Evolution and Milestones 2000 2004 2004 2004 2006 2020 OptimumBank.com Deerfield Bank changed Fort Lauderdale OptimumBank Bank celebrated opened for business branch is name to branch is Holdings, Inc. began its 20-year in Plantation, Florida opened OptimumBank opened trading on NASDAQ anniv
Slide 5: OptimumBank Holdings, Inc. Overview – as of 2Q 2026
OptimumBank Holdings, Inc. Overview – as of 2Q 2026 Holding Company for OptimumBank $1.40 Billion in Total Assets NYSE American: OPHC • 99% Net Loans / Deposits ratio • Total common shares outstanding: 23,799,136 (1) • $1.217 billion Gross loan portfolio • Stock price / Tangible book value: 1.03 (2)
Slide 6: Second Quarter 2026 Highlights
Second Quarter 2026 Highlights ❖ Total assets increased $132.2 million, or 10.4%, in 2Q26 to $1.4 billion, and increased $401.8 million, or 40.2%, from June 30, 2025 ❖ Net Income: $6.7 million, up $2.0 million or 42.7% from 1Q26, and up $3.1 million, or 84.8% from 2Q25 ❖ Earnings per Share: $0.40 (b
Slide 7: Florida Market Trends and Advantages
Florida Market Trends and Advantages GDP(1) Population Employment (2) Real Estate(3) Florida has a Real GDP of Florida is the 3rd most Florida’s robust real estate $1.4 trillion populous state, with 23.3 market creates mortgage million people lending opportunities unique Florida’s Real GDP g
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 $1,400,937 2000: First branch was opened in Plantation 114 $1,111,678 98 $932,933 2004: Deerfield branch was opened $791,254 73 60 $585,219 2004: Fort Lauderdale branc
Slide 9: Notable Growth and Momentum Across all Areas
Notable Growth and Momentum Across all Areas Lending Deposits Noninterest Income Gross Loans ($000) Total Deposits ($000) Total Noninterest Income ($000) December 31, 2022-June 30, 2026, Gross Loans CAGR December 31, 2022-June 30, 2026, Deposits CAGR December 31, 2022-June 30, 2026, Noninterest Inco
Slide 10: Strong Core Deposit Franchise
Strong Core Deposit Franchise Areas of Focus $1,214,045,000 • Total Deposits • Keys to Success $319,375,000 • Noninterest Bearing Deposits Dedicated Deposit Relationship Managers Merchant Cash Advance Industry • Cost of Total Interest-Bearing 3.23% Deposits (1) Composition by Branches 4.53%, Nor
Slide 11: Credit and Capital Trends
Credit and Capital Trends Allowance for Credit Losses / Loans (%) Non-Performing Assets / Total Assets (%) 1.27% 1.20% 0.81% 1.13% 1.08% 1.07% 0.91% 0.62% 0.32% 0.22% 0.13% 0.00% 2022 2023 2024 2025 2Q26 National 2022 2023 2024 2025 2Q26 National Peers (1) Peers (1) Net Charge Offs / Average Loans (
Slide 12: Loan Detail
Loan Detail Industry Classification Breakdown Loan Growth by Loan Portfolio (as of June 30, 2026) (December 31, 2022-June 30, 2026) Residential, Consumer, 6.85% Commercial, 6.43% 4.22% Multi-family, 4.32% Land and Commercial 895% Construction, 3.80% Land and Construction 168% Consumer 175% Residenti
Slide 13: Strong Liquidity and Deposit Growth Trends
Strong Liquidity and Deposit Growth Trends ❖ $172MM of Available On Balance Sheet Liquidity Including Cash and unpledged Investments Available for Sale Liquid assets as a percent of deposits is 14.2% Liquid assets as a percent of total assets is 12.3% ❖ $491MM of Off-Balance Sheet Liquidity Sources
Slide 14: Go-Forward Focus
Go-Forward Focus •Establish and grow new subsidiary with bridge-to-HUD financing and FHA/HUD loan origination capabilities •Ramp up of fee-based income business (SBA and Treasury Management) Strategic •Further refine our Concierge Relationship Banking Program for business owners/operators •Through O
Slide 15: Compelling Investment Opportunity
Compelling Investment Opportunity Balance Sheet Growth OptimumBank vs. Broader Per Share Growth Rates Rates Bank Universe Loan Growth CAGR December 31, 2022 – June 30, 2026 Tangible Book Value Per Diluted Share(2) Efficiency Ratio 30.19% $5.65 68.08% $5.18 $4.43 48.79% $3.81 $3.44 11.41% (1) Optimum
Slide 16: Board of Directors
Board of Directors • Chief Executive Officer of the OptimumBank Holdings, Inc. (the "Company") and OptimumBank (the "Bank") since May 2026 Moishe Gubin • Director of the Company and the Bank since September 2010 Chairman of the Board • Chief Executive Officer of Strawberry Fields REIT, LLC, an owner
Slide 17: Contact Information
Contact Information Corporate Headquarters Company Contacts Moishe Gubin CEO, Chairman of the Board & Director Phone: (954) 900-2813 2929 East Commercial Boulevard Email: mgubin@optimumbank.com Suite 303 Braden Smith Fort Lauderdale, FL 33308 (954) 900-2800 President Phone: (954) 947-2714 www.optimu
Slide 18: Reconciliation of Non-GAAP Financial Disclosures
Reconciliation of Non-GAAP Financial Disclosures This presentation contains financial information determined by methods other than Generally Accepted Accounting Principles (“GAAP”). The financial highlights provides reconciliations between GAAP and adjusted financial measures including net earnings,
Slide 19: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Pre-tax, Pre-provision Earnings ($s in 000s) 2Q 2026 1Q 2026 2Q 2025 2025 2024 2023 2022 Net Income (GAAP) $6,655 $4,663 $3,602 $16,648 $13,124 $6,283 $4,023 Plus: Income Tax Expense 2,183 1,535 1,253 5,523 4,507 2,174 1,369 Plus: Credit Loss Expense (37) 770 1,040 2,
Slide 20: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Tangible Book Value Per Common Share and Diluted Share ($ and number of shares in 000s) 2Q 2026 2Q 2025 12/31/2025 12/31/2024 12/31/2023 12/31/2022 Total Stockholders’ (GAAP) and Tangible Common Equity $134,380 $111,348 $121,897 $103,184 $70,007 $62,580 Common Shares