Optimumbank Holdings, Inc. · AMEX:OPHC
Optimumbank — Debt Investor Presentation (August 2026)
34 slides from Optimumbank's debt investor presentation, Aug 19, 2026
Slide 1: Subordinated Debt Offering
7g ee eg BANK HOLDINGS, INC. {iy ™ Subordinated Debt Offering) August 2026 |
Slide 2: Notice to Recipients
Notice to Recipients ‘OptimumBank Holdings, Inc. (the "Company," the “holding company,” “we" or “our”) has prepared this presentation (this “Presentation”) solely for general informational purposes. The Company is afinancial holding company registered under the Bank Holding Company Act of 1956, as a
Slide 3: Offering Disclaimers
Offering Disclaimers ‘This Presentation has been prepared based on information regarding operations ofthe Company and ts subsdiais. The information inthis Presentation s confidential and may not be reproduced or redistributed, passed on or <ivulged, directly or indirectly, to anyother person, The Co
Slide 4: Terms of Subordinated Debt Offering
Terms of eee Subordinated Debt Offering Holding Company Subordinated Notes due 2036 Optional Redemption 5-year no Interest Payments 5-year fixed-rate, semi-annual interest payments; thereafter 5-year floating rate, quarterly interest payments vyer e of Pre General corporate purposes PIPER|SANDLER BR
Slide 5: Review of Corporate Structure
Review of Corporate Structure OPTIMUMBANK branches in Broward Co Miami Dade Cou OPTIMUMBANK HOLDINGS, INC. OptimumBank Holdings, Inc. is a holding company committed to providing a variety of services to its customers through its wholly. owned subsidiaries OPTIMUMFUNDING OPTIMUMFINANCE Founded in lat
Slide 6: Leadership Team
Leadership Team Experienced Team with Strong Ties to the Community Moishe Gubin . Executive Officer of OptimumBank Holdings, Inc. (the "Company") and OptimumBank (the "Bank") CEO, since May 2026 Chairman of the Board * Director of OptimumBank Holdings, Inc. (the “Company”) and OptimumBank (the “Bank
Slide 7: Business Evolution and Milestones
Business Evolution and Milestones 2000 OptimumBank.com opened for business in Plantation, Florida 2004 Deerfield branch is opened 2022 Growth to over $585 million in assets, 2023 Growth to over $791 million in assets 2004 Bank changed name to OptimumBank 2004 Fort Lauderdale branch is opened 2006 Op
Slide 8: OptimumBank Holdings, Inc. Overview - as of 2026Q2
OptimumBank Holdings, Inc. Overview - as of 2026Q2 Holding Company for OptimumBank, OptimumFunding, OptimumFinance as NYSE American: OPHC $1.40 Billion in Total Assets Common shares outstanding: 23,799,136 “) 2 99% Net Loans / Deposits ratio & 3 Locations Zill Profitability - 2026Q2 “+ Headquarters
Slide 9: Key Franchise Highlights
Key Franchise Highlights == == C1) Established franchise headquartered in one ofthe most attractive banking markets in the U.S. ~O-- (2) Experienced management team with an extensive history of driving stable growth ., : & G) Consistent balance sheet growth with a 28.3% CAGR of total assets since 20
Slide 10: 2026Q2 Highlights
2026Q2 Highlights # Total assets: increased $132.2 million, or 10.4%, in 2026Q2 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 2026QL, and up $3.1 million, or 84.8% from 2025Q2 Earnings per share: $0.40 (basic)/$0
Slide 11: Franchise Snapshot
Franchise Snapshot Geographic Footprint Recent Recognitions ys Named recipient of 2025 Raymond James Tampa Community Bankers Cup seage coral L Ranked #49 by S&P Global Market Intelligence among top U.S. community Banks under $3 billion in assets Achieved SBA Preferred Lender status in 2025 © Branche
Slide 12: Florida Market Trends and Advantages
a 3 Florida Market Trends and Advantages GDP (2) Florida has a Real GDP of $14 trillion Florida’s Real GDP growth is ranked second in the country “South Florida accounts for 1/3rd of Florida GDP. “Miami-Fort Lauderdale- West Palm Beach, FL (MSA) Real GDP of $533.7 billion, growing 8.8% vs 2.9% for U
Slide 13: Our History, Evolution and Disciplined Growth
Our History, Evolution and Disciplined Growth Employee Count Total Assets ($000) Expansion of Franchise Footprint ann 12/31/22 12/31/23 12/31/24 12/31/25 6/30/26 $1,400,937 114 saaise7s $932,933 $791,254 12/31/22 12/31/23 12/31/24 12/31/25 6/30/26 —=+ 2004: Deerfield branch was opened => 2004: Fort
Slide 14: Consistent Balance Sheet Growth
Consistent Balance Sheet Growth Total Assets ($000) Gross Loans HFI ($000) 2% cack 282 $1,400,937 rs $1,217,003 $1,111,678 $958,793 $932,933 $804,240 $791,254 $680,071 ssesat9 r ses 378 ‘ ssi. azpayas psa 30/26 wysia2—asyasazpatyeatzpas 20726 Total Deposits ($000) Total Equity ($000) R $1,214,045, a
Slide 15: Key Profitability Metrics
Key Profitability Metrics ROAA and ROAE (%) Net Interest Margin (%) = zoe ast” = ROAE 15.3% 14.8% a 0.97% 202 ao ro2ay 2025 202602 ron 20237 2024 2025 2026q2 Noninterest Income / Avg. Assets (%) Efficiency Ratio (%) 0.76%" 52.9% 52.6% a Oa a a a a Se enchosenasnae 0 TIMUMBANK HOLDINGS, INC.
Slide 16: Fee Income Overview
Fee Income Overview Net Interest Income 86% Operating Revenu $31.4 Million Fee Income 14% Fee Income: $4.3 Million Service charge: and fees 67% Other 33% Note Reet data forthe sicmonths ended June 30,2026 Source: Company Infomation, SEP Capital iQ Pro * Commentary Service charges and fees remain the
Slide 17: Strong and Stable Core Deposit Franchise
Strong and Stable Core Deposit Franchise Noninterest- bearing demand deposits, 26.3% Time deposits, 42.1% $1.2B Total Deposits ‘Savings, NOW ‘and money- market deposits, 31.6% Composition by Branches 4.5%, North Miami (2) 97%, Deerfield Beach e 95.8%, Ft Lauderdale 3) Y1D,Annualized 2) North Miami B
Slide 18: Driving Growth Through Diversified Lending
Driving Growth Through Diversified Lending 6.4% Multfamily, 4.2% 4.3% Construction, 3.8% AN 12.7% oie 7.4% 1.2% Total Loans L | | | Hotel Office Healthcare Warehouse Assisted Living 59.6% 57.4% 72.3% 54.6% 62.1% Gaver umm a ne ee 467% 31% Historical Yield on Loans 7.16%" CRE Concentration") C&D Conc
Slide 19: Low Risk Commercial Real Estate Portfolio
Low Risk Commercial Real Estate Portfolio Commercial Real Estate Composition CRE Portfolio Geographic Composition”, Other! 17.2% Hotel 22.4% Religious Worship Ly 5.1% $905M Retail center Total CRE 8.1% aa 16.9% Assisted Living Facility 9.6% Warehouse Healthcare 9.9% 10.9% Other Florida South Florida
Slide 20: Asset Quality Trends
Asset Quality Trends Non-Performing Assets / Total Assets (%) Net Charge Offs / Avg. Loans (%) Texas Ratio (%) ') Allowance for Credit Losses / Loans (%) ose oust 021% oases haa mM m ast came ate = o.00% 12/31/22, 12/31/23, 12/31/24 12/31/25, 6/30/26 2022Y (2023¥ 2024 2025Y 2026Q2 1.20% pee 1.08% 1.
Slide 21: Liquidity and Securities Portfolio Overview
Liquidity and Securities Portfolio Overview Commentary Composition of AFS Securities Portfolio $172MM of available on balance sheet liquidity “Including cash and unpledged investments available for sale + Liquid assets as a percentage of deposits is 14.2% ** Liquid assets as a percentage of total as
Slide 22: Capital Trends
Capital Trends The Bank has adopted the CBLR framework since 2019 Bank-Level Tier 1 Leverage Ratio (%) 11.3% en 10.0% TCE/TA (%) mmm Consolidated mm Bank level 10.7% 11.1%19.9% 11.0% 10.9% 10.4% 9.6% 9.6% 8.8% 8.8% z= 47/3122 12/32/23 12/31/24 1) Non-GAAP measure, ee ppendixfor reconciliation to GAA
Slide 23: Illustrative Impact of the Subordinated Debt Offering
lllustrative Impact of the Subordinated Debt Offering Offering Pro Forma 2024 FY 2025 FY 2026 YTD Adjustments” 2026 YTD (Sin millions) Investment in Subsidiaries $101.5 $121.8 $133.7 $34.2 $167.9 Double Fpapaeming Consolidated Equity 103.2 219 134.4 - 134.4 Double Leverage Ratio 98.3% 99.9% 99.5% 12
Slide 24: Illustrative Impact of the Subordinated Debt Offering
\llustrative Impact of the Subordinated Debt Offering [pro Forma) [Blas of 6/30/2026 12.8% 11.8% 10.5% . 9.6% 9.6% 9.4% Bank-Level Leverage Ratio Bank-Level TCE / TCA Consolidated TCE / TCA? TIMUMBANK HOLDINGS, INC.
Slide 25: Investment Highlights
Investment Highlights Consistent balance sheet growth paired with pristine credit quality Well capitalized, prepared to withstand poor economic conditions = 2 Strong liquidity profile supported by a relationship-driven deposit base Strong profitability, with peer-leading margins and operating effici
Slide 26: Contact Information
Contact Information Corporate Headquarters Com pany Contacts OPTIMUMBANK HOLDINGS, INC. 2929 East Commercial Boulevard Suite 303 Fort Lauderdale, FL 33308 (954) 900-2800 www.optimumbank.com Mois he Gubin CEO, Chairman of the Board e: (954) 900-2813 : mgubin@optimumbank.com Phon Braden Smith Presiden
Slide 27: Appendix
Appendix
Slide 28: Board of Directors
Board of Directors Moishe Gubin + Chief Executive Officer of OptimumBank Holdings, Inc. and OptimumBank since May 2026 Chairman of the Board * Director of the Company and the Bank since 2010 + Chief Executive Officer of Strawberry Fields REIT, LLC, an owner of a portfolio of healthcare properties +
Slide 29: Interest Rate Sensitivity
Interest Rate Sensitivity Net Interest Income Change (Year 1) Net Economic Value 2.9% 2.0% 1.6% 0.9% 0.2% (2.8%) (4.6%) (300bps) (200bps) (100bps) Static +100bps +200bps Note: Reflects data a of March 31,2026 Source: Company information TIMUMBANK HOLDINGS, INC.
Slide 30: 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 financial measures and Non-GAAP adjusted financial meas
Slide 31: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Pre-tax, Pre-provision Earnings Net Income (GAAP) $6,655 $4,663 $3,602 $16,648 $13,124 $6,283 $4,023 Plus: Income Tax Expense 2,183 1,535 1,253 5,523 4,507 2,174 1,369 Plus: Credit Loss Expense (37) 170 1,040 2,036 2,222 4,047 3,466 Pre-tax, Pre-provision Earnings (No
Slide 32: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Tangible Book Value Per Common Share and Diluted Share ($ and number of shares in 000s) Total Stockholders’ (GAAP) and Tangible Common Equity (Non- ee ayes) 2028y) ao aoe Et) $134,380 $111,348 $121,897 $103,184 $70,007 $62,580 Common Shares Outstanding - Voting) 12,34
Slide 33: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Consolidated TCE / TA 20227 2023, 20247 20257 Pa Total Stockholders’ (GAAP) and Tangible Common Equity (Non- GAAP) 62,580 70,007 103,184 121,897 134,380 Less: Intangible Assets 0 0 0 0 0 Tangible Common Equity (Non- GAAP) 28,579 36,007 67,134 84,482 134,380 Total Asse
Slide 34: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Bank-Level TCE / TA | nom | anasr | ary | aorr | arasr | anean Total Stockholders’ (GAAP) and Tangible Common Equity (Non- GAAP) Less: Intangible Assets Tangible Common Equity (Non- GAAP) Total Assets Less: Intangible Assets Tangible Assets (Non-GAAP) TCE / TA (Non-GA
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