Optimumbank Holdings, Inc. · AMEX:OPHC
Optimumbank — Q3 2025 Earnings Presentation
21 slides from Optimumbank's earnings presentation, Oct 16, 2025
Slide 1: OptimumBank Holdings, Inc. Third Quarter 2025
OPTIMUMBANK HOLDINGS, INC. September 30, 2025 (NYSE American: OPHC) ‘This presentation contains preliminary financial results for the third quarter of 2025, that are unaudited and subject to completion of quarter-end reporting and adjustment process, Complete unaudited financial statements will be p
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. (the “ Company”) and OptimumBank (the “Bank”) since March 2010 Chief Executive Officer of Strawberry Fie
Slide 4: Business Evolution and Milestones
Business Evolution and Milestones 2000 OptimumBank.com opened for business in 2004 2006 Fort Lauderdale OptimumBank branch is Holdings, Inc. began ‘opened trading on NASDAQ 2004 2020 Bank changed Bank celebrated name to its 20-year OptimumBank anniversary 2004 Deerfield branch is opened 2021 Growth
Slide 5: OptimumBank Holdings, Inc. Overview — as of 3Q 2025
OptimumBank Holdings, Inc. Overview — as of 3Q 2025 Holding Company for OptimumBank $1.1 Billion in Total Assets AN NYSE American"): OPHC ‘* — 84% Loan / Deposit ratio + ~ Common shares outstanding: 11,883,943 + $814 million Gross loan portfolio + Stock price / Non-diluted tangible book value: 0.42
Slide 6: Third Quarter 2025 Highlights
Third Quarter 2025 Highlights % Surpassed $1 billion asset threshold, with total assets increasing $83.9 million in 3Q 2025 * Net Earnings: $4.3 million, an increase of $0.7 million from 2Q 2025; up $1.0 million from 3Q 2024 Earnings per Share: $0.37 (basic)/$0.35 (diluted)!/S0.18 (if fully diluted)
Slide 7: Florida Market Trends and Advantages
Florida Market Trends and Advantages Population & GpPt) E a) | RealEstate®) . Employment O Florida hasaRealGDP of _O Floridais the 3rd most O Florida's robust real estate zs $1.36 trillion populous state, with 23.3 market creates mortgage million people lending opportunities unique o Florida’s Real
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 sxase3 oS oe $922,993 = — 2000: First branch was opened in Plantation +: i srsnase d ph => 2004: Deerfield branch was opened o sst5a19 sm => 2004: Fort Lauderdale bran
Slide 9: Growth and Momentum Across all Areas
Growth and Momentum Across all Areas Lending Deposits Noninterest Income Gross Loans ($000) Total Deposits ($000) betes atseeeiastamtaaetostneme ca December 21,202 September 29,2025, Gross Loans CAGR December 3, 021-September 3, 2025, Depots CAGR sof September 2025170, $5047 lannuaized $6.72) sian s
Slide 10: Strong Core Deposit Franchise as of September 30, 2025
Strong Core Deposit Franchise as of September 30, 2025 Areas of Focus $95 WH - Total Deposits + Keysto Success PETERTEROOM - Noninterest Bearing Deposits Y Dedicated Deposit Relationship Managers Y Merchant Cash Advance Industry Cost of Total Interest-Bearing Deposits (YTD) Composition by Branches 2
Slide 11: Credit Trends
Credit Trends Allowance for Credit Losses / Loans (%) Non-Performing Assets / Total Assets (%) 122% 1.20% 123% sage 2001 ——«2022,== «2023-2024 —Sept30, National) OprimumBanK 2025 Peers Net Charge Offs / Average Loans (%) 0.19%, 0.19% 0.21% i" _ 0.00% 2022 2024 —Sept30, National ° “oommunidanw 205 Pe
Slide 12: Loan Detail
Loan Detail Industry Classification Breakdown Loan Growth by Loan Portfolio {as of September 30, 2025) (December 31, 2021-September 30, 2025) Consumer 5.00% Residential commeriat 220% ‘Commercial, 8.20% cam at ty, Mfr Land andConsrucion EY 2050% Landon contin, _ peony a Conner HE 9 Residential Real
Slide 13: Strong Liquidity and Deposit Growth Trends
Strong Liquidity and Deposit Growth Trends S256MM of Available Liquidity * Including Cash and unpledged Investments Available for Sale * Liquid assets as a percent of deposits is 26.7% « Liquid assets as a percent of total assets is 23.7% 379MM of Off-Balance Sheet Liquidity Sources «Including FHLB,
Slide 14: Go-Forward Focus
Go-Forward Focus + Continue executing strategic plan + Further hiring to support diversified lending Strategic capabilities (C&l and SBA) g + Further build out and integration of fee- based income business (SBA and Treasury Management) » Continued growth in Fee Income Financial + Focus on maintainin
Slide 15: Compelling Investment Opportunity
Compelling Investment Opportunity Balan hai timumBank der hRates Ra Bank Unis Loan Growth CAGR Tangible Book Value Per Share & . . December 31,2021 ~ September 20,2025 Fully Diluted Tangible Book Value Per Share!” Efficiency Ratio $9.66 $9.84 sare cost seat cana $006 sae sar sas seas | [5320 10.24%
Slide 16: Board of Directors
Board of Directors Moishe Gubin Chairman of the Board Joel Klein : 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 Financ
Slide 17: Contact Information
Contact Information Corporate Headquarters Company Contacts OPTIMUMBANK Moishe Gubin HOLDINGS, INC. Chairman of the Board & Director Phone: (954) 900-2813 2929 East Commercial Boulevard Email: mgubin@optimumbank.com Suite 303 Ti Fort Lauderdale, FL 33308 (054) 900-2800 President, Chief Executive Off
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 Net Earnings (GAAP) $4,324 $3,602 $3,302 $13,124 $6,283 $4,023 $6,296 Plus: Income Tax Expense 1,340 1,253, 1,133 4,507 2,174 1,369 (3,227) Plus: Credit Loss Expense 163 1,040 357 2,222 4,047 3.466, 1,173 Pre-tax, Pre-provision Earnings
Slide 20: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Basic Earnings Per Share and Diluted Earnings Per Share tas ncwonnenn | 2025¥T0 | 302025 | 2g20as | igams | ame | om | aoa | at] Net Earnings (GAAP) $11,796 $4,324 $3,602 $3,870 $13,124 $6,283 $4,023 $6,296 Weighted Average GarmitanSreres 1,743 11,773 1,751 11,705 9,4
Slide 21: GAAP to Non-GAAP Reconciliation
GAAP to Non-GAAP Reconciliation Tangible Book Value Per Common Share and Per Fully Diluted Share 362025 6/30/2025 05/30/zo0zN§ | jxaysafzeza)) aa/3i/z02s)) a) 3i/z0z2||/az/su/a0e Total Stockholders’ (GAAP) and Tangible Common Equity $116,888 $111,348 $92,695 $103,184 $70,007 $62,580 $38,510 Common S