OptimumBank Holdings (NYSE American: OPHC) announced record net income of $6.7 million, or 40 cents per basic share and 28 cents per diluted share, for the second quarter of 2026, compared with $4.7 million, or 39 cents per basic share and 20 cents per diluted share, in the preceding quarter and $3.6 million, or 31 cents per basic share and 15 cents per diluted share, in the year-ago period. Net interest income rose to $14.7 million while net interest margin increased to 4.57%. For the first six months of 2026, net income totaled $11.3 million, up from $7.5 million in the comparable 2025 period.

Gross loans increased by $126.2 million during the quarter to $1.2 billion while total deposits grew by $121.2 million to $1.2 billion and total assets reached $1.4 billion. Return on average assets increased to an annualized 2.04% and return on average equity rose to 20.34%. The company will host a webcast to discuss its results Aug. 13, 2026, at 1 p.m. ET.

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About OptimumBank Holdings, Inc.

Founded in 2000 and headquartered in Fort Lauderdale, Florida, OptimumBank is a full-service community bank focused on delivering personalized service, competitive pricing, and innovative financial solutions. The Bank supports economic development and community growth through responsible banking practices. OptimumBank’s business and financial solutions include: Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking.

NOTE TO INVESTORS: The latest news and updates relating to OPHC are available in the company’s newsroom at https://nnw.fm/OPHC

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