• Promotional pricing set at SOFR plus 2.67% with a one-quarter point origination fee, offering financing up to 80% loan-to-value for qualified borrowers.
• Program highlights OptimumBank’s disciplined, relationship-driven lending model and business-owner-focused approach.
• The bank continues to position itself as a community-focused institution built around personalized service and local decision-making.

OptimumBank Holdings (NYSE American: OPHC), a community and business bank based in Florida, has announced a limited-time owner-occupied commercial real estate (“CRE”) financing promotion for the first quarter of 2026, offering competitive pricing aimed at small and mid-sized businesses seeking to purchase or refinance owner-occupied properties.

The promotion, announced January 9, provides qualified borrowers with financing of up to 80% loan-to-value at an interest rate of SOFR plus 2.67%, along with a one-quarter point origination fee. Loan applications must be completed and submitted by March 31, 2026.

The program is designed to support business owners seeking long-term stability through property ownership while benefiting from competitive financing and relationship-based banking.

“This promotion reflects OptimumBank’s continued commitment to providing flexible, competitive capital solutions for owner-operated businesses,” said Jeni Chokron, Chief Lending Officer. “We focus on helping business owners build long-term value through property ownership, supported by responsive, customized financing.”

Under the terms of the promotion, eligible transactions must involve a minimum purchase price of $1 million. The operating company and any associated holding company must be included on the loan and establish deposit relationships with the bank. All loans are subject to credit approval and standard underwriting guidelines.

The promotion reflects OptimumBank’s relationship-first banking model, where lending decisions are driven by direct client engagement and local market insight. The bank specializes in owner-occupied transactions where the success of the business and the value of the real estate are closely aligned.

Founded in 2000 in Fort Lauderdale, Florida, OptimumBank has built its franchise around personalized service, local decision-making, and long-term client relationships. The holding company operates through its bank subsidiary, OptimumBank, serving both business and consumer clients with a focus on delivering responsive, relationship-based banking solutions.

For more information, visit the Bank’s website at www.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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