Slide 1: OptimumBank Holdings, Inc. December 31, 2025
OPTIMUMBANK HOLDINGS, INC. December 31, 2025 (NYSE American: OPHC) Released on January 20, 2026 This presentation contains preliminary financial results for year 2025, that are unaudited and subject to completion of year-end reporting and adjustment process. Complete audited financial statements wil
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 Opti \k Holdings, Inc. (the “Company”) and Opti: k (the “Bank”) since March 2010 Chief Executive Officer of Strawberry Fields REIT (NYSE: STRW), an owner of a portfolio of healthcare pro
Slide 4: Business Evolution and Milestones
Business Evolution and Milestones 2000 2004 2006 2023 2025 OptimumBank.com Fort Lauderdale OptimumBank Growth to over . 3 - " sig: Bank celebrated 25-year anniversary opened for business branch is Holdings, Inc. began $791 million in erowthtorovensamib llioninjassers in Plantation, Florida opened tr
Slide 5: OptimumBank Holdings, Inc. Overview
OptimumBank Holdings, Inc. Overview Holding Company for OptimumBank $1.1 Billion in Total Assets LB NYSE American: OPHC 102% Net Loans / Deposits ratio q Common shares outstanding: 11,533,943 * §959 million Gross loan portfolio Stock price / Non-diluted tangible book value: 0.40 3 Locations Profitab
Slide 6: 2025 Highlights
2025 Highlights * Surpassed $1 billion asset threshold, with total assets increasing $178.7 million in 2025 to $1.11 billion * Net Earnings: $16.6 million, an increase of $3.5 million, or 26.9% from 2024 “ Earnings per Share: $1.42 (basic)/$0.72 (diluted) compared to $1.39 (basic)/$0.63 (diluted) ”
Slide 7: Fourth Quarter 2025 Highlights
Fourth Quarter 2025 Highlights % Net Earnings: $4.9 million, an increase of $0.5 million from 3Q 2025; up $0.9 million from 4Q 2024 % Earnings per Share: $0.42 (basic)/$0.21 (diluted) compared to $0.37 (basic)/$0.18 (diluted) “ the prior quarter, and $0.38 (basic)/$0.18 (diluted) the prior year’s qu
Slide 8: Florida Market Trends and Advantages
Florida Market Trends and Advantages Q Florida has a Real GDP of $1.36 trillion Q 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 9: 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 98 $1,111,679 ==> 2000: First branch was opened in Plantation $932,933 3 $791,254 ==> 2004: Deerfield branch was opened 60 48 $585,219 == ©2004: Fort Lauderdale branch
Slide 10: Notable Growth and Momentum Across all Areas
Notable Growth and Momentum Across all Areas | Lending | Deposits Noninterest Income Gross Loans ($000) December 31, 2021-December 31, 2025, Gross Loans CAGR Total Deposits ($000) December 31, 2021-December 31, 2025, Deposits CAGR Total Noninterest Income ($000) December 31, 2021-December 31, 2025,
Slide 11: Strong Core Deposit Franchise
Strong Core Deposit Franchise Areas of Focus $931 (el - Total Deposits ¢ Keys to Success CHYaHVINNOUN © Noninterest Bearing Deposits v Dedicated Deposit Relationship Managers v¥ Merchant Cash Advance Industry 3 f + Cost of Total Interest-Bearing Deposits (FY 2025) Composition by Branches 3.50%, Nort
Slide 12: Credit and Capital Trends
Credit and Capital Trends Allowance for Credit Losses / Loans (%) Non-Performing Assets / Total Assets (%) 0.81% 1.22% 1.20% 1.24% 113% 1.08% 1.07% 0.54% 0.32% 0.13% 0.00% 0.00% mm 2021 2022 2023 2024 2025 National (1) 2021 2022 2023 2024 2025 National () OPTIMUMBANK Peers OPTIMUMBANK Peers Net Char
Slide 13: Loan Detail
Loan Detail Industry Classification Breakdown Loan Growth by Loan Portfolio (as of December 31, 2025) (December 31, 2021-December 31, 2025) commercial, Comsimen 7.4% ReGoe Sh 5.03% Multi-family, Commercial [J 240% Land and GeB5% Construction, s " 3.78% RS Land and Construction NI) 860% Consumer [fy
Slide 14: Strong Liquidity and Deposit Growth Trends
Strong Liquidity and Deposit Growth Trends “ S138MM of Available On Balance Sheet Liquidity «Including Cash and unpledged Investments Available for Sale « Liquid assets as a percent of deposits is 14.8% = Liquid assets as a percent of total assets is 12.4% “ S356MM of Off-Balance Sheet Liquidity Sou
Slide 15: Go-Forward Focus
Go-Forward Focus «Further hiring and focus to support diversified lending capabilities (C&l and SBA) «Establish and grow new subsidiary with bridge-to-HUD e financing and FHA/HUD loan origination capabilities St rate gl Cc «Ramp up of fee-based income business (SBA and Treasury Management) «Further
Slide 16: Compelling Investment Opportunity
Compelling Investment Opportunity Balance Sheet Growth Per Share Growth Rates Rates OptimumBank vs. Broader Bank Universe Loan Growth CAGR Tangible Book Value Per Share & December 31, 2021 - December 31, 2025 Tangible Book Value Per Diluted Share”) Efficiency Ratio 39.75% $10.57 69.34% $8.87 $8.87 $
Slide 17: 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 18: Contact Information
Contact Information Corporate Headquarters Company Contacts 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 Timothy Terry
Slide 19: 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 20: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Pre-tax, Pre-provision Earnings Psinoon | 42025 | 202025 | 4q2024 | 2025 | 2024 | 2023 | 2022 | 2021 $4,853 1,604 Net Earnings (GAAP) Plus: Income Tax Expense Plus: Credit Loss Expense Pre-tax, Pre-provision Earnings (Non-GAAP) 398 $6,855 $4,324 1,340 63 $6,427 $3,949
Slide 21: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Tangible Book Value Per Common Share and Diluted Share 12/31/2025 | 9/30/2025 | 12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 Total Stockholders’ (GAAP) and Tangible Common Equity $121,897 $116,888 $103,184 $70,007 $62,580 $38,510 Common Shares Outstanding 11,534