OptimumBank Holdings, Inc.: management transactions · United States · SEC (Form 4)

About OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc. is a U.S.-based bank holding company listed on NYSE American under the ticker OPHC, in the United States. The group serves as the parent company of OptimumBank and, more recently, OptimumFunding, a subsidiary formed in 2025 to support a new HUD and FHA lending initiative. The company is headquartered in Fort Lauderdale, Florida, at 2929 East Commercial Boulevard, and its operating footprint remains primarily concentrated in South Florida, with offices in Fort Lauderdale, Deerfield Beach, and North Miami Beach. OptimumBank itself was founded in 2000, while OptimumBank Holdings was formed in 2004 to act as the bank holding company for the operating bank. The business model is that of a community-focused commercial bank serving individuals, small businesses, and local commercial customers. Core business lines include demand deposits, interest-bearing checking, savings, money market accounts, certificates of deposit, and lending products spanning residential real estate, commercial real estate, commercial and consumer loans, plus working-capital lines of credit. The bank also provides standard transaction and convenience services such as debit and ATM cards, cash management, online banking, direct deposit, money orders, cashier’s checks, and other routine banking services. This product set is consistent with a relationship-driven local bank rather than a large-scale national platform. From a competitive standpoint, OptimumBank is positioned as a niche regional/community bank competing against much larger money-center banks and better-capitalized regional peers. Its smaller scale limits pricing power and diversification, but it can support faster decision-making and a more personalized client experience. The franchise emphasizes service, reasonable fees, and local market knowledge in Florida. That geographic focus is important: South Florida remains a dense and competitive banking market, but it also offers attractive demographic and real-estate-related growth opportunities. Recent company updates show a strategic push to broaden the platform. In February 2026, OptimumBank Holdings announced the formation of OptimumFunding to launch a HUD and FHA lending platform, which could expand the company’s mortgage-oriented origination capabilities. The company also completed and filed its 2025 annual report in February 2026, confirming its listing on NYSE American and providing the latest view of its operating footprint and capital actions. Earlier SEC filings show the company used an at-the-market equity program to support bank capital, underscoring management’s focus on regulatory capital strength and balance sheet flexibility. Recent SEC Form 4 filings also indicate ongoing insider transaction activity in OPHC, which may be of interest to investors monitoring governance and alignment signals.