OptimumBank Holdings (OPHC) investor relations material

Executive summary

• Celebrated 25th anniversary, marking growth from a single branch to a $1.1 billion institution as of September 30, 2025.

• Achieved record net earnings of $4.32 million in Q3 2025, up from $3.60 million in Q2 2025 and $3.30 million in Q3 2024, driven by higher net interest and noninterest income.

• Total assets grew to $1.08 billion, with deposits up 9.17% sequentially and 18.97% year-over-year, and gross loans up 3.72% for the quarter.

• Emphasized a relationship-driven, community-focused culture as a key differentiator and growth driver.

• Return on average assets (ROAA) improved to 1.68% and return on average equity (ROAE) to 15.17% for Q3 2025.

Financial highlights

• Net interest income rose to $11.05 million, up $0.81 million from Q2 2025, with net interest margin expanding to 4.37%.

• Noninterest income increased to $2 million, driven by service charges, fee-based revenue, and gains on government-guaranteed loan sales.

• Pre-tax, pre-provision income reached $17.35 million year-to-date, annualized at $23.1 million.

• Noninterest expenses rose to $6.60 million, mainly due to higher staffing and infrastructure investments.

• Year-to-date net earnings totaled $11.8 million, up $2.6 million year-over-year.

Outlook and guidance

• Management expects continued NIM expansion as older, lower-rate loans are replaced by higher-rate new loans.

• Deposit and loan growth expected to remain strong, with ongoing focus on relationship-based banking and selective expansion.

• Actively seeking M&A opportunities to supplement organic growth.

• Focus on technology, talent, and targeted growth strategies to reinforce position as a leading community bank.

• Well positioned to support continued growth and earnings momentum through 2025.