Optimumbank Holdings, Inc. · AMEX:OPHC
Optimumbank — Investor Presentation (May 2025)
16 slides from Optimumbank's investor presentation, May 29, 2025
Slide 1: OptimumBank Holdings, Inc.
OPTIMUMBANK OptimumBank Holdings, Inc. March 31, 2025 (NYSE American: OPHC)
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 Timothy Terry President, CEO Elliot Nunez EVP, CFO Director of OptimumBank Holdings, Inc. (Company) and OptimumBank (Bank) since March 2010 Chief Executive Officer of Strawberry Fields REIT (NYSE: S
Slide 4: Business Evolution and Milestones
Business Evolution and Milestones oars 2004 2006 2021 2023 1925 eespened for | | Forttauderdale OptimumBank Growth to over Growthto over | | Growthto over ee . - branchis. Holdings began, $335 million in $791 million in $977 million in neness 5 : trading on NASDAQ, assets assets assets Plantation, F
Slide 5: OptimumBank Holdings, Inc. Overview - as of 1Q 2025
OptimumBank Holdings, Inc. Overview - as of 1Q 2025 Holding Company for OptimumBank $977 Million in Total Assets PA NYSE American”): OPHC 93% Loan / Deposit ratio *—Tommon shares outstanding: 11,751,082 * — $800 million Gross loan portfolio + Stock price / Non-diluted tangible book value: 0.45 ) Pro
Slide 6: Florida Market Trends and Advantages
Florida Market Trends and Advantages GDP) O Florida has a GDP of $1.35 Trillion Dollars C Florida’s GDP growth is ranked third in the country Q 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 US 201
Slide 7: Our History, Transformation and Significant Growth and Expansion
Our History, Transformation and Significant Growth and Expansion Employee Count Noninterest Expense ($000) ‘sof 102585626 (annualized $2,504) Total Assets ($000) 200 $5938 fl 2021 8 B | no 701005 sz508 319,480 s1gs6t $9938 22 23S Annualized 1925 Expansion of Franchise Footprint Profitability Improve
Slide 8: Growth and Momentum Across all Areas
Growth and Momentum Across all Areas Lending Deposits Non-Interest Income Gross Loans ($000) Total Deposits ($000) Total Non-Interest income ($000) December 31, 2021-March 32,2025, Non-Intrest Income CAGR December 33, 2021-March 31,2095, Gross Loans CAGR December 3, 2021-March 3, 2025, Deposits CAGR
Slide 9: Leading Core Deposit Franchise as of March 31, 2025
Leading Core Deposit Franchise as of March 31, 2025 Areas of Focus + Total Deposits * Keys to Success $23: v Merchant Cash Advance Industry 3.58% + Cost of Total Interest-Bearing aes Deposits Composition by Branches + Noninterest Bearing Deposits Y Dedicated Deposit Relationship Managers 2) 112%, No
Slide 10: Credit Trends
Credit Trends Allowance for Credit Losses / Loans (%) Non-Performing Assets / Total Assets (%) 1.22% 1.20% 1.19% WUT 202120222028 2 nite 1Q25 National”) Peers Net Charge Offs / Avg Loans (%) 0.219% bcos 0.179% "i ri 0.00% 200s ound ns National Peers 1); Peers consis of 51 publily traded US. banks as
Slide 11: Loan Detail
Loan Detail Industry Classification Breakdown (as of March 31, 2025) Loan Growth by Loan Portfolio (December 31, 2021-March 31, 2025) Consumer 6.40% Residential, Commercial, 8.9556 623% Mott-family, 795% Land and construction, 10.08% Commercial real ‘estate, 60.25% commerciot NH 257% Land and constr
Slide 12: Focus on Liquidity and Quality as of March 31, 2025
Focus on Liquidity and Quality as of March 31, 2025 + $167MM of Available Liquidity Including Cash and unpledged Investments Available for Sale = Liquid assets as a percent of deposits is 19.5% $255M of Off-Balance Sheet Liquidity Sources = Including FHLB, Federal Reserve Bank, and Fed Funds lines “
Slide 13: 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 Financial * Focus on maintaining Net Interest Mar
Slide 14: Compelling Investment Opportunity
Compelling Investment Opportunity Loan Growth CAGR December 31, 2021 ~ March 31, 2025 Tangible Book Value Per Share & Fully Diluted Tangible Book Value Per Share’?! OptimumBank Bi Ban Univer: Efficiency Ratio $1039 42.50% 9.59 we | 2 136% $8.06 52.19% saaa | |sc2 ss.1 san | [944 9.83% OPTIMUMBANK Na
Slide 15: Board of Directors
Board of Directors Mathe cabin + Director of the OptimumBank Holdings, Inc. [Company] and OptimumBank (Bank) since March 2010 Chief Executive Officer of Strawberry Fields REIT, LLC, an owner of a portfolio of healthcare properties Previously, Chief Financial Officer and manager of Infinity Healthcar
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
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