OptimumBank Announces Q1 2026 Owner-Occupied Commercial Real Estate Promotion

Rhea-AI Summary

OptimumBank (NYSE American: OPHC) launched a limited-time Owner-Occupied Commercial Real Estate financing promotion for Q1 2026 offering qualified borrowers up to 80% loan-to-value at a rate of SOFR + 2.67% with a 0.25 point origination fee. Applications must be submitted by March 31, 2026. Eligibility includes a minimum purchase price of $1,000,000, inclusion of the borrower operating and holding company on the loan, and establishment of deposit relationships with OptimumBank. All loans are subject to credit approval and underwriting; other restrictions may apply.

News Market Reaction – OPHC

+0.69%

1 alert

+0.69% News Effect

On the day this news was published, OPHC gained 0.69%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Loan-to-value limit: 80 percent Promotional rate spread: SOFR + 2.67 percent Origination fee: One-quarter point fee +5 more

8 metrics

Loan-to-value limit 80 percent Maximum owner-occupied commercial real estate LTV under promotion

Promotional rate spread SOFR + 2.67 percent Interest rate on qualifying owner-occupied CRE loans

Origination fee One-quarter point fee Promotional origination fee on qualifying loans

Minimum purchase price One million dollars Eligibility threshold for promotional financing

Application deadline March 31, 2026 Loan applications must be completed and submitted by this date

Pre-news price $4.33 Price before promotion announcement

52-week range $3.53–$4.94 Pre-news 52-week low and high for OPHC

Market cap $49,134,597 Pre-news market capitalization

Market Reality Check

Price: $5.26 Vol: Volume 19,246 is at 0.7x ...

normal vol

$5.26 Last Close

Volume Volume 19,246 is at 0.7x the 20-day average of 27,504, indicating subdued trading activity pre-announcement. normal

Technical Shares traded above the 200-day MA of 4.26 with a pre-news price of 4.33, near the upper half of the 52-week range.

Peers on Argus

Peer moves were mixed: ASRV +4.19%, HFBL +2.99%, MBBC +0.17% versus TCBS -0.62% ...

Peer moves were mixed: ASRV +4.19%, HFBL +2.99%, MBBC +0.17% versus TCBS -0.62% and BAFN -2.45%. OPHC’s +1.64% pre-news move does not clearly track a unified sector direction.

Historical Context

5 past events · Latest: Jan 05 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 05	Capital structure update	Positive	+0.2%	Modernized capital structure to support asset growth beyond $1.1B.
Dec 09	Insider purchase & results	Positive	+1.4%	Director share purchase alongside strongest quarter and higher net earnings.
Nov 12	Q3 2025 results	Positive	-0.6%	Improved earnings, deposits, assets, and margins versus prior periods.
Nov 06	Earnings call notice	Neutral	+0.1%	Announcement of Q3 results release date and investor webcast details.
Oct 24	NYSE bell & milestone	Positive	+2.5%	Celebration of 25 years and surpassing $1B in assets with record earnings.

Pattern Detected

Recent fundamentally positive news (earnings strength, capital structure, insider alignment) usually coincided with modest positive price reactions, with one notable divergence on strong Q3 results.

Recent Company History

Over the past several months, OptimumBank highlighted milestones including surpassing $1 billion in assets, record 2025 earnings, and stronger Q3 2025 performance with net earnings of $4.32M and expanding net interest income. A January 2026 capital structure update aligned institutional and insider stakeholders around growth beyond $1.1 billion in assets. Insider activity included a director’s 7,600-share open-market purchase at $4.09. Against this backdrop of growth and balance-sheet strengthening, the new owner-occupied CRE promotion extends the relationship-focused banking strategy described in prior updates.

Market Pulse Summary

This announcement introduces a limited-time owner-occupied commercial real estate promotion offering...

Analysis

This announcement introduces a limited-time owner-occupied commercial real estate promotion offering up to 80% loan-to-value at SOFR + 2.67%, with applications due by March 31, 2026. It extends OptimumBank’s relationship-focused growth strategy seen alongside record 2025 earnings and asset expansion beyond $1 billion. Investors may monitor how much loan growth this campaign contributes, any shifts in credit quality, and future disclosures on yields and margins in upcoming filings or results.

Key Terms

sofr, loan-to-value, origination fee, fdic

4 terms

sofr financial

"Competitive SOFR + 2.67% Pricing Available for a Limited Time"

The Secured Overnight Financing Rate (SOFR) is a market benchmark that measures the cost of borrowing cash overnight using U.S. Treasury securities as collateral. Investors watch SOFR because it acts like a speedometer for short-term interest costs—affecting loan rates, bond yields and the pricing of interest-rate contracts—so movements change borrowing expenses, cash returns and the value of interest-sensitive investments.

loan-to-value financial

"offering qualified borrowers up to 80 percent loan-to-value at a rate"

Loan-to-value is the percentage that shows how large a loan is compared with the appraised value of the asset backing it, for example a house or other property. Investors care because a higher percentage means more of the asset’s value is borrowed — like buying a car with almost no down payment — which increases the chance of loss for lenders and can lead to higher interest rates, stricter terms, or greater risk for holders of related securities.

origination fee financial

"SOFR plus 2.67 percent with a one-quarter point fee."

An origination fee is a one-time charge a lender or underwriter takes when creating a loan or credit facility, similar to a booking or service charge when arranging a deal. It matters to investors because it reduces the net amount the borrower receives, changes the effective yield or return on the loan or security, and affects comparisons between financing options—like comparing two items where one includes a hidden setup fee.

fdic regulatory

"OptimumBank, Member FDIC (NYSE American: OPHC), today announced"

The Federal Deposit Insurance Corporation (FDIC) is a U.S. government agency that protects individual and business bank deposits by insuring accounts up to a set limit, acting like a safety net for savers if a bank fails. It matters to investors because FDIC insurance reduces the chance of sudden losses for depositors, supports confidence in the banking system, and can influence the perceived risk and stock value of banks and financial firms.

AI-generated analysis. Not financial advice.

Competitive SOFR + 2.67% Pricing Available for a Limited Time

Fort Lauderdale, Florida--(Newsfile Corp. - January 9, 2026) - OptimumBank, Member FDIC (NYSE American: OPHC), today announced the launch of a limited-time Owner-Occupied Commercial Real Estate financing promotion for the first quarter of 2026, offering qualified borrowers up to 80 percent loan-to-value at a rate of SOFR plus 2.67 percent with a one-quarter point fee.

The promotion is designed to support growing businesses seeking competitive financing solutions for owner-occupied commercial real estate, while reinforcing OptimumBank's relationship-driven lending model and local decision-making approach.

To qualify for promotional pricing, loan applications must be completed and submitted by March 31, 2026.

"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 building long-term banking relationships while delivering timely, customized financing."

Promotion highlights include up to 80 percent owner-occupied loan-to-value, an interest rate of SOFR plus 2.67 percent, a one-quarter point origination fee, and availability for a limited time through March 31, 2026.

Eligibility requirements include a minimum purchase price of one million dollars. The borrower operating company and holding company, if applicable, must be included on the loan and establish deposit relationships with OptimumBank. All loans are subject to credit approval and underwriting guidelines.

Other restrictions may apply. Loan terms are subject to loan application approval. Businesses interested in learning more are encouraged to contact their OptimumBank Relationship Manager or visit www.optimumbank.com.

About OptimumBank

OptimumBank was founded in 2000 in Ft. Lauderdale, Florida. Our customers found a bank that is strongly service oriented with reasonable fees, unseen at larger financial institutions. OptimumBank is committed to supporting economic development and social progress through responsible banking and community partnerships. OptimumBank's business and financial solutions include: Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking. Member FDIC.

SOURCE: OptimumBank

Investor Relations & Corporate Relations
Contact: Seth Denison
Telephone: (305) 401-4140 / SDenison@OptimumBank.com

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/279887

FAQ

What are the loan terms in OptimumBank's Q1 2026 owner-occupied CRE promotion (OPHC)?

The promotion offers up to 80% LTV at an interest rate of SOFR + 2.67% with a one-quarter point origination fee and requires application by March 31, 2026.

Who qualifies for OptimumBank's owner-occupied CRE promotional rate (OPHC) through March 31, 2026?

Qualified borrowers must meet eligibility including a minimum purchase price of $1,000,000, include borrower operating and holding company on the loan if applicable, and establish deposit relationships with OptimumBank.

How long is OptimumBank's OPHC owner-occupied CRE promotion available?

The promotional pricing is available for a limited time with loan applications completed and submitted by March 31, 2026.

Does OptimumBank's OPHC promotion guarantee loan approval at SOFR + 2.67%?

No; all loans are subject to credit approval and underwriting guidelines, and other restrictions may apply.

What application fee applies to OptimumBank's owner-occupied CRE promotion (OPHC)?

The promotion specifies a one-quarter point origination fee (0.25 point) in addition to the stated interest rate.