Slide 1: OptimumBank Holdings, Inc. December 31, 2024
OPTIMUMBANK OptimumBank Holdings, Inc. December 31, 2024 (NYSE American: OPHC) This presentation contains preliminary financial results for year 2024, 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 Moishe Gubin Chairman of the Board Director of OptimumBank Holdings, Inc. (Company) and OptimumBank (Bank) since March 2010 Chief Executive Officer of Strawberry Fields REIT (NYSE: STRW), an owner of a portfolio of healthcare propert
Slide 4: Business Evolution and Milestones
Business Evolution and Milestones eee com 2004 2006 2021 2023 aaenatica Fort Lauderdale OptimumBank Growth to over Growth to over opereeS branchis Holdings began $335 million in $791 million in usiness in , Plantation, FL onsned trading on NASDAQ assets assets 2024 2004 2004 2020 2022 Growth to $933
Slide 5: OptimumBank Holdings, Inc. Overview
OptimumBank Holdings, Inc. Overview Holding Company for OptimumBank $933 Million in Total Assets PAN NYSE American: OPHC 103% Loan / Deposit Ratio >— Common Shares Outstanding: 11,636,092 + $804 million Gross Loan Portfolio + _ Stock Price / Non-diluted tangible book value: 0.54 2) Profitability 3 L
Slide 6: Florida Market Trends and Advantages
Florida Market Trends and Advantages GDP) Q Florida has a GDP of $1.4 Trillion Dollars C Florida’s GDP growth is ranked third in the country C1 South Florida accounts for 1/3rd of Florida GDP C Miami-Fort Lauderdale- West Palm Beach, FL (MSA) Real GDP grew 3.3% vs 2.0% for US 2018-2022 Population &
Slide 7: Our History, Transformation and Significant Growth and Expansion
Our History, Transformation and Significant Growth and Expansion Employee Count Noninterest Expense ($000) Total Assets ($000) sigs 3 60 suse 48 38 59938 ar $5,936 i $5,086 i $235,112 m2 manta 20202012022 202320084 nf 932,959 | 2022 20232024 Expansion of Franchise Footprint Profitability Improvement
Slide 8: Growth and Momentum Across all Areas
Growth and Momentum Across all Areas Lending Deposits Non-Interest Income Gross Loans ($000) December 31, 2020-December 31, 2024, Gross Loans CAGR Total Deposits ($000) December 31, 2020-December 31, 2024, Deposits CAGR Total Non- Interest income ($000) December31,2020-December.31, 2024, Nom-Interes
Slide 9: Leading Core Deposit Franchise as of December 31, 2024
Leading Core Deposit Franchise as of December 31, 2024 Areas of Focus NCP MIERONOM - Total Deposits * Keys to Success $211, (0) - Noninterest Bearing Deposits v Dedicated Deposit Relationship Managers v Merchant Cash Advance Industry + Cost of Total Interest-Bearing ° Deposits Composition by Branche
Slide 10: Credit Trends
Credit Trends Reserves / Loans (%) Non-Performing Assets / Total Assets (%) 1.23% 1.22% 1,20% 1.19% 1.13% 1.08% 0.90% 081% 055% 0.13% 0.00% 0.00% a m ay 2020 2021 2022 2023 2024 National ae ee on OPTIMUMBANK = Pet — —~ 1): Peers consist of $3 publicly traded U.S. banks as of September 30, 2024, with
Slide 11: Loan Detail
Loan Detail Industry Classification Breakdown {as of December 31, 2024) Loan Growth by Loan Portfolio (December 31, 2020-December 31, 2024) ‘Commercial reat commercial INI«ox tandand constuction [527% ‘consumer [INS 722% Residential Realestate NUNN 145% Muti-Family Real Estate IEEE — 210% Commeria e
Slide 12: Focus on Liquidity and Quality as of December 31, 2024
Focus on Liquidity and Quality as of December 31, 2024 $94MM of Available Liquidity «Including Cash and Investments Available for Sale « Liquid assets as a percent of deposits is 12.5% $228MM of Off-Balance Sheet Liquidity Sources = Including FHLB, Federal Reserve Bank, and Fed Funds lines $185MM of
Slide 13: Go-Forward Focus
Go-Forward Focus + Continue executing strategic plan » Further hiring to support lending capabilities » Further build out and integration of fee- based income business Strategic + Continued increase in Non-Interest Financial baenins Focus on maintaining Net Interest Margin Outlook OPTIMUMBANK
Slide 14: Investment Opportunity
compen Investment Opportunity Share Growth Rai Broader os Loan Growth CAGR Tangible Book Value Per Share Efficiency Ratio December 31, 2020 - December 31, 2024 $10.39 ais $9.69 51.089% $8.87 $8.06 48 348% OPTIMUMBANK National Peer Median pat 202 2008 2008 National Peer Median Deposit Growth CAGR Dec
Slide 15: Board of Directors
Board of Directors Moishe Gubin + Director of the OptimumBank Holdings, Ine. (Company) and OptimumBank (Bank) since March 2010 Chief Executive Officer of Strawberry Fields REIT, LLC, an owner of a portfolio of healthcare properties Chairman of the Board Previously, Chief Financial Officer and manage
Slide 16: Contact Information
Contact Information Corporate Headquarters Company Contacts OPTIMUMBANK OptimumBank Holdings, Inc. 2929 East Commercial Boulevard Suite 303 Fort Lauderdale, FL 33308 (954) 900-2800 www.optimumbank.com Moishe Gubin Chairman of the Board & Director Phone: (954) 900-2813 Email: mgubin@optimumbank.com T