OptimumBank Holdings, Inc. operates OptimumBank, a Florida-chartered bank serving South Florida through branch offices in Broward and Miami-Dade counties. The bank provides comprehensive consumer and commercial banking services—including deposit accounts, wire transfers, ATM access, and online banking—as well as lending products spanning residential and commercial real estate, construction, consumer loans, and specialized offerings such as Small Business Administration loans and financing for skilled nursing facilities and multifamily properties. The bank generates revenue primarily from interest and fees on its loan portfolio, which is concentrated in commercial real estate and mortgages predominantly located in South Florida counties, and from service charges on deposits and payment transactions; it funds lending through retail deposits gathered across Florida and the United States, supplemented by brokered deposits as needed for liquidity management.