OPHC on NYSE

OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc. is an American national commercial bank based in Fort Lauderdale.2 Its shares trade on NYSE under the symbol OPHC.2

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Last updated Oct 20, 2026.

Overview

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  • TickerOPHC on NYSE2
  • IndustryNational Commercial Banks2
  • HeadquartersFort Lauderdale, United States2
  • Incorporated inFL3
  • Business address2929 East Commercial Boulevard, Fort Lauderdale, Fl 333083
  • Filer categoryNon-accelerated filer, Smaller reporting company3
  • Legal formCommercial Bank2
  • LEI549300U21VS5DK3F8H212
  • StatusActive2
  • LEI statusLapsed (not renewed)2
  • Registered address2929 E Commercial Blvd, 33308 Fort Lauderdale, United States2
  • Registered withFederal Deposit Insurance Corporation, 354302

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Company is subject to the supervision and regulation of The Board of Governors of the Federal Reserve System (the “Federal Reserve”).4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income5678910$16.6M in 2025
-$5.0M0$5.0M$10.0M$15.0M$20.0M2019: -$1.1M-$1.1M20192020: -$782.0K-$782.0K2020−29%2021: $6.3M$6.3M20212022: $4.0M$4.0M2022−36%2023: $6.3M$6.3M2023+56%2024: $13.1M$13.1M2024+109%2025: $16.6M$16.6M2025+27%

Every line of the income statement as filed: the last 2 fiscal years, latest first.10

Period ending2025-12-312024-12-31
Loans$57.1M$52.1M
Debt securities$635.0K$652.0K
Other$6.6M$6.9M
Total interest income$64.4M$59.6M
Deposits$21.4M$23.0M
Borrowings$333.0K$2.0M
Total interest expense$21.8M$24.9M
Net interest income$42.6M$34.7M
Credit loss expense$2.0M$2.2M
Net interest income after credit loss expense$40.6M$32.5M
Service charges and fees$4.7M$3.8M
Other$2.1M$843.0K
Total noninterest income$6.8M$4.6M
Salaries and employee benefits$14.8M$11.1M
Professional fees$1.1M$1.1M
Occupancy and equipment$1.2M$884.0K
Data processing$2.7M$2.3M
Regulatory assessment$687.0K$799.0K
Other$4.6M$3.3M
Total noninterest expenses$25.2M$19.5M
Net income before income taxes$22.2M$17.6M
Income tax expense$5.5M$4.5M
Net income$16.6M$13.1M
Earnings per share Basic$1.42$1.39
Earnings per share Diluted$0.71$0.63

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Corporate structure

OptimumBank Holdings, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of OptimumBank Holdings, Inc.

  • AllianceBernstein Filed SCHEDULE 13G on OptimumBank Holdings, Inc., latest Aug 14, 2026 (3 filings since Nov 14, 2025)
  • OptimumBank Holdings, Inc. Fort Lauderdale, Florida, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What OptimumBank Holdings, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$4.3M10 Dec 31, 2025$3.5M10 Dec 31, 2024+26.0%
Accumulated depreciation$1.9M10 Dec 31, 2025$1.4M10 Dec 31, 2024+33.7%
Property and equipment, net$2.5M10 Dec 31, 2025$2.1M10 Dec 31, 2024+20.8%
Operating-lease assets (leased space)$2.6M10 Dec 31, 2025$2.7M10 Dec 31, 2024−2.3%

Real estate and locations

ItemLatestA year beforeChange
Real estate investments, net$551.0K10 Dec 31, 2025
Real estate investments, at cost$605.0K10 Dec 31, 2025
Real estate accumulated depreciation$54.0K10 Dec 31, 2025

Investments

ItemLatestA year beforeChange
Marketable securities, current$09 Dec 31, 2024$09 Dec 31, 2023
Debt securities available for sale$25.2M10 Dec 31, 2025$22.8M10 Dec 31, 2024+10.6%
Debt securities held to maturity$214.0K10 Dec 31, 2025$281.0K10 Dec 31, 2024−23.8%
Deposits held (banks)$931.8M10 Dec 31, 2025$772.2M10 Dec 31, 2024+20.7%

Properties, in its own words

The Bank operates a main office and three branch offices. The headquarters and two branch offices are located in Broward County, Florida, and one branch office located in Miami-Dade County, Florida. The following table sets forth information with respect to the Bank’s offices as of December 31, 2025.

Location · Year Facility Opened · Facility Status

The rest of Item 2

Headquarters and Ft. Lauderdale Branch Office: · 2019 · Leased

2929 East Commercial Boulevard Suites 101, 303, 306, and 502 Fort Lauderdale, Florida 33308

Deerfield Beach Branch Office: · 2004 · Leased

2201 W. Hillsboro Blvd., Deerfield Beach, FL 33442

North Miami Beach Office: · 2024 · Leased

757-759 NE 167th Street, North Miami Beach FL 33162

Item 2 of the 10-K filed Feb 26, 2026.4

Leadership

Who has led OptimumBank Holdings, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Albert J. Finch2006–2009

Chair

  1. Albert J. Finch2006–2009

President

  1. Richard L. Browdy2006–2009
  2. Sam Borek2009

Chief financial officer

  1. Richard L. Browdy2006
2010201520202025
Board members and other officers (19)

Timeline

  1. Aug 19, 20268-K Entered a material agreement; New debt or obligation; Regulation FD disclosure35
  2. Aug 13, 20268-K Regulation FD disclosure36
  3. Jul 24, 20268-K Results of operations; Regulation FD disclosure37
  4. May 5, 20268-K Executive or director change38
  5. May 4, 20268-K Shareholder vote39
  6. Apr 24, 20268-K Results of operations; Regulation FD disclosure40
  7. Feb 23, 20268-K Other events41
  8. Feb 2, 20268-K Results of operations; Regulation FD disclosure42
  9. Jan 30, 20268-K Entered a material agreement; Unregistered sale of shares43
  10. Jan 20, 20268-K Results of operations; Regulation FD disclosure44
  11. Nov 12, 20258-K Results of operations; Regulation FD disclosure45
  12. Oct 16, 20258-K Results of operations; Regulation FD disclosure46
  13. Jan 3, 2006New chief executive Albert J. Finch becomes CEO14
  14. Nov 1, 2000Founded OptimumBank Holdings, Inc. is founded2

Calendar

Coming up

  1. Nov 9, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.18 a share, on Nov 10, 2025.47

When it reported results

  1. Jul 24, 2026Reported quarterly or annual results37
  2. Apr 24, 2026Reported quarterly or annual results40
  3. Feb 2, 2026Reported quarterly or annual results42
  4. Jan 20, 2026Reported quarterly or annual results44
  5. Nov 12, 2025Reported quarterly or annual results45
  6. Oct 16, 2025Reported quarterly or annual results46
  7. Aug 6, 2025Reported quarterly or annual results48
  8. May 6, 2024Reported quarterly or annual results49

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

114 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 39 major events, 9 insider forms, 3 large holders, 43 other. The latest 20:

  1. Sep 21, 2026EFFECT EDGAR
  2. Sep 21, 2026424B3 EDGAR
  3. Sep 11, 2026DEL AM EDGAR
  4. Sep 10, 2026S-4 EDGAR
  5. Aug 19, 20268-K EDGAR
  6. Aug 14, 2026SCHEDULE 13G EDGAR
  7. Aug 13, 20268-K EDGAR
  8. Aug 10, 202610-Q EDGAR
  9. Jul 24, 20268-K EDGAR
  10. May 12, 202610-Q EDGAR
  11. May 5, 20268-K EDGAR
  12. May 4, 20268-K EDGAR
  13. Apr 24, 20268-K EDGAR
  14. Mar 31, 2026DEFA14A EDGAR
  15. Mar 26, 2026DEF 14A EDGAR
  16. Mar 17, 2026PRE 14A EDGAR
  17. Feb 26, 202610-K EDGAR
  18. Feb 23, 20268-K EDGAR
  19. Feb 17, 2026SCHEDULE 13G/A EDGAR
  20. Feb 4, 20264 EDGAR

The 114 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

15 open-market trades by officers, directors and large owners since October 2021: 7 buys and 8 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Feb 2, 2026Terry TimothyPEOSale39,304$4.73$185.9KForm 4
Dec 4, 2025Blisko MichaelDirectorBuy7,600$4.09$31.1KForm 4
Dec 4, 2025Blisko MichaelDirectorSale7,600$4.09$31.1KForm 4
Jun 11, 2025Gubin MoisheDirectorBuy264$4.53$1.2KForm 4
Jun 10, 2025Gubin MoisheDirectorBuy300$4.55$1.4KForm 4
Jun 9, 2025Gubin MoisheDirectorBuy700$4.53$3.2KForm 4
Jul 16, 2024Blisko MichaelDirectorSale1,000$4.48$4.5KForm 4
Nov 14, 2023Terry TimothyPEOSale8,545$3.22$27.5KForm 4
Nov 13, 2023Terry TimothyPEOSale12,861$3.20$41.2KForm 4
Nov 10, 2023Terry TimothyPEOSale44$3.20$141Form 4
Jul 3, 2023Gubin MoisheDirectorBuy1,514$3.00$4.5KForm 4
Jun 12, 2023Terry TimothyPEOSale4,500$3.16$14.2KForm 4
Jun 5, 2023Terry TimothyPEOSale500$3.05$1.5KForm 4
Apr 17, 2023Gubin MoisheDirectorBuy104$3.28$341Form 4
Apr 11, 2023Gubin MoisheDirectorBuy6,700$3.30$22.1KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Timothy Terry$680.0K51
2025Elliot NunezChief Financial Officer$277.0K51
2024President and Chief Executive Officer$499.0K51
2023President and Chief Executive Officer$415.0K51

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Alliancebernstein L.P.616,168$3.1M0.0%+32,433
Wellington Management Group Llp431,634$2.5M0.0%New
Vanguard Capital Management LLC406,480$2.4M0.0%+62,337
Renaissance Technologies LLC155,051$905.5K0.0%+30,451
Geode Capital Management, LLC107,840$629.8K0.0%+28,355
Morgan Stanley100,002$584.0K0.0%No change
Mink Brook Asset Management LLC78,552$458.7K0.2%New
Dimensional Fund Advisors LP77,662$453.5K0.0%+6,175
Sparta 24 Ltd.73,443$428.9K0.4%New
Vanguard Fiduciary Trust Co61,244$357.7K0.0%+4,267
Susquehanna International Group, Llp54,631$319.0K0.0%−65,127
Citadel Advisors LLC42,613$248.9K0.0%New
BlackRock, Inc.37,458$218.8K0.0%+12,731
Bridgeway Capital Management, LLC31,600$184.5K0.0%No change
Northern Trust Corp24,970$145.8K0.0%−448
Pekin Hardy Strauss, Inc.18,750$109.5K0.0%No change
Globeflex Capital L P15,253$89.1K0.0%+3,089
State Street Corp11,310$66.0K0.0%No change
XTX Topco Ltd10,495$61.3K0.0%New
Wells Fargo & Company/mn3,126$18.3K0.0%No change
UBS Group AG980$5.7K0.0%+417
SBI Securities Co., Ltd.489$2.9K0.0%New
Osaic Holdings, Inc.100$5840.0%No change
Barclays PLC70$4090.0%New

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How OptimumBank Holdings, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAROptimumBank Holdings, Inc.1
  • CIK0001288855
  • Employer ID (EIN)55-08650434
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; a shell company4
  • Incorporated inFlorida4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address2929 East Commercial Boulevard, Fort Lauderdale, FL 333081
  • Phone954-900-28001
  • Shares outstanding12,268,363 as of May 11, 202612
  • Public float$45.2M as of Jun 30, 20254
  • AuditorHACKER, JOHNSON & SMITH PA, Fort Lauderdale, Florida PCAOB ID 400; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceMay 11, 20041
  • Filings548 in all: 8-K (166), 4 (139), 10-Q (56), DEF 14A (24), 10-K (18), UPLOAD (14), 10QSB (12), CORRESP (12)1
    All 45 form types

    4/A (10), 3 (9), PRE 14A (9), 8-K/A (8), 10-K/A (7), SC 13G (6), 10-Q/A (4), 10KSB (4), EFFECT (4), NT 10-K (4), 144 (3), DEFA14A (3), DEFR14A (3), PRER14A (3), S-3 (3), ARS (2), S-3/A (2), SC 13D (2), SC 13D/A (2), SCHEDULE 13G (2), 10QSB/A (1), 144/A (1), 25 (1), 424B3 (1), 424B4 (1), 424B5 (1), 8-A12B (1), 8-K12G3 (1), CERT (1), D (1), DEF 14C (1), DEL AM (1), NT 10-Q (1), PRE 14C (1), S-1/A (1), S-4 (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Feb 26, 2026
    Quarterly report (10-Q) Aug 10, 2026
    Proxy statement (DEF 14A) Mar 26, 2026
    Latest 8-K (8-K) Aug 19, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.01 per shareOPHCNYSE American

From the cover page of the 10-K filed Feb 26, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

Legal proceedings

From time to time, the Bank is involved in litigation arising in the ordinary course of its business. As of the date of the filing of this Form 10-K, management is of the opinion that the ultimate aggregate liability in connection with any pending litigation will not have a material adverse effect on the Company’s consolidated financial condition or results of operations.

The opening of Item 3, Legal Proceedings.4

Sources

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