OptimumBank Holdings Inc (OPHC) is a Florida-based bank holding company that owns and operates OptimumBank, a Florida state-chartered commercial bank established in 2000. The company makes money through net interest income on loans and deposits, with lending activity spanning multi-family real estate, residential real estate, commercial real estate, land and construction, and consumer loans. OptimumBank operates through its headquarters and three branch offices, all located in Broward County and Miami-Dade County, Florida, serving individual and corporate customers in the South Florida market. The holding company was formed in 2004, and the Bank's deposits are insured by the FDIC. In December 2022, the Bank joined the IntraFi Network, the largest provider of reciprocal deposits, allowing it to offer depositors FDIC insurance beyond the standard $250,000 maximum. The Bank does not hold trust powers and provides no trust services.

Revenue model

Net interest income from loans (multi-family real estate, residential real estate, commercial real estate, land and construction, consumer) and spread on deposits including demand accounts, money market accounts, NOW accounts, time deposits, and reciprocal deposits via IntraFi Network.

Products and services

Demand interest-bearing and noninterest-bearing accounts, money market deposit accounts, NOW accounts, time deposits, wire transfers, ACH services, Visa debit and ATM cards (Star, Presto, Cirrus networks), cash management, direct deposits, cashier's checks, business lending lines for working capital, multi-family real estate loans, residential real estate loans, commercial real estate loans, land and construction loans, consumer loans, IntraFi reciprocal deposit services.

Customers and end markets

Individual consumers and corporate customers in Broward County and Miami-Dade County, Florida. End markets include retail banking customers, small and growing businesses needing working capital lines, and real estate borrowers across residential and commercial segments.

Value-chain role

Community bank and deposit-taking institution; originator of consumer and commercial loans; intermediary between depositors and borrowers in South Florida.

Geographic exposure

Operations concentrated in Broward County and Miami-Dade County, Florida, through headquarters and three branch offices (as disclosed in 10-K filed 2026-02-26).

Source: SEC 10-K, filed 2026-02-26

Industry: National Commercial Banks Peers: PNC Financial Services Group Inc