- OptimumBank’s Q2 2025 earnings reached $3.6 million, with deposits growing at a double-digit annualized pace.
- The Bank now proudly exceeds $1 billion in total assets.
- Chairman Moishe Gubin to present third-quarter highlights at the LD Micro Main Event XIX in San Diego, October 19-21.
- OptimumBank will sponsor and attend the Jewish National Fund Global Conference in Hollywood, Florida, October 23-26.
- The Bank recently sponsored the 2025 Brokers Expo in New York, underscoring outreach to small businesses.
OptimumBank Holdings (NYSE American: OPHC), a bank holding company that owns 100% of community bank OptimumBank, headquartered in Fort Lauderdale, Florida, is stepping onto the national stage in October with scheduled appearances at two high-profile conferences. The engagements highlight OptimumBank’s strategy of building visibility among investors, business leaders, and community stakeholders, while reinforcing its recent financial progress (https://ibn.fm/rRYiQ).
Founded in 2000, OptimumBank has gradually expanded its reach as a community-focused financial institution, and is currently one of the few Florida-based community banks regularly featured on national investor stages. The Bank’s participation in a diverse slate of events suggests a concerted effort to increase national exposure at a time of improving financial performance.
In its second-quarter 2025 results, OptimumBank reported net earnings of $3.6 million, or $0.31 per basic share. For the first half of 2025, earnings totaled $7.47 million, up from $5.87 million in the first half of 2024. The increase of $1.6 million in earnings year-over-year was largely driven by higher net interest income, which rose by $3.18 million, and a $0.63 million boost in noninterest income. Balance sheet developments show continued momentum. Total deposits climbed by $25.93 million during the second quarter, reaching $878.87 million as of June 30, 2025, representing a double-digit annualized growth rate and an increase of $116.22 million over the past year (https://ibn.fm/6YNsU).
Additionally, the Bank has now surpassed $1 billion in total assets, positioning itself among the fastest-growing community banks in South Florida
The achievements will take center stage at OptimumBank’s presentations at two upcoming major conferences this month. From October 19 to 21, Chairman Moishe Gubin will attend at the LD Micro Main Event XIX in San Diego. The flagship event, held at the Hotel del Coronado, will feature over 120 presenting companies, panel discussions, and networking sessions. Gubin is expected to provide an overview of OptimumBank’s third-quarter performance and discuss its trajectory heading into 2026.
Later, OptimumBank will join the Jewish National Fund’s Global Conference in Hollywood, Florida, from October 23 to 26. The Bank is a sponsor of the gathering, which brings together business leaders, community partners, and philanthropists. OptimumBank team members Seth Denison, David Siegel, Ross Mazer, and Tatyana Lyenov will attend, offering opportunities for one-on-one discussions with participants.
The October schedule follows OptimumBank’s sponsorship of the 2025 Brokers Expo in New York City on September 17. There, the Bank’s leadership and treasury management specialists met with funders, brokers, and small business representatives. The event reflected OptimumBank’s long-running focus on serving the needs of entrepreneurs, accountants, and legal professionals with customized treasury solutions (https://ibn.fm/RHkf9).
OptimumBank’s business model emphasizes relationship-based banking, complemented by technology upgrades. The Bank plans to roll out a new open-architecture core banking platform later this year, with API-based features supporting paperless processes, improved onboarding, and enhanced treasury management. OptimumBank’s mix of deposit growth and steady profitability positions it to compete in a challenging interest rate environment, while its upcoming presence in San Diego and Hollywood offers an opportunity to showcase financial performance and deepen relationships across multiple constituencies.
OptimumBank’s unique approach was further highlighted in a recent South Florida Community Voice story exploring Gubin’s entrepreneurial journey. Titled “From Candy Sales to Corporate Empires: Moishe’s Relentless Drive,” the story details Gubin’s impressive career, highlighting the leadership drive fueling OptimumBank’s growth (https://ibn.fm/GGqFy).
Describing OptimumBank as his passion project, the publication explains how Gubin joined the Bank’s board at a time when it was struggling, but he was able to turn things around by bringing investors and stabilizing operations. Competing against banking giants, the Bank had to find its niche, and the unique mix of technology and personal touch was the answer. “At big banks, you’re a number. At Optimum, you’re a person,” the Chairman said. “If you need something, you pick up the phone and someone who knows you answers.” OptimumBank is now one of the top-performing small banks in the country. “We turned something that was on the brink of collapse into one of the best,” Gubin told the publication.
For more information, visit the Bank’s website at OptimumBank.com.
NOTE TO INVESTORS: The latest news and updates relating to OPHC are available in the company’s newsroom at https://ibn.fm/OPHC
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