OptimumBank

Fort Lauderdale, FloridaFDIC Cert #35430

STATEEstablished 20004 branches

Holding company: OPTIMUMBANK HOLDINGS INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$226M
Investor CRE	$558M
Multifamily	$63.6M
Construction	$40.8M
1–4 family	$148M
C&I	$46.4M
Agriculture	$4.66M
Other	$2.29M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.09B

+36.3%y/y

Percentile by value50th percentileby value

FDICLNLSGR

Net loans

$1.08B

+36.3%y/y

Percentile by value50th percentileby value

FDICLNLSNET

Loans YoY

+36.31%

+504.1%y/y

Percentile by value97th percentileby value

FDICLNLSNET

L/D

98.6%

+6.4%y/y

Percentile by value84th percentileby value

FDICLNLSNET + DEP

Loans/assets

85.0%

+5.0%y/y

Percentile by value95th percentileby value

FDICLNLSNET + ASSET

RE loans %

102.38%

+4.0%y/y

Percentile by value97th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,352points

+42.4%y/y

Peer standing12th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

20.73%

−10.2%y/y

Percentile by value87th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

51.24%

+38.0%y/y

Percentile by value99th percentileby value

FDICLNRENROT + LNLSGR

C&I %

4.26%

−32.6%y/y

Percentile by value16th percentileby value

FDICLNCI + LNLSGR