OptimumBank is a small community bank based in South Florida, operating through a holding company, OptimumBank Holdings. The bank serves individual and business customers across Broward, Miami-Dade, Palm Beach, Martin, and St. Lucie counties through a headquarters and three branch offices. OptimumBank's core business is lending, with roughly 95% of loans secured by real estate and approximately 70% of the total loan portfolio in commercial real estate. The bank funds lending through retail and commercial deposits gathered across Florida and other U.S. states, brokered deposits, and a niche treasury management business serving merchant cash advance (MCA) providers — a service that processes high-volume ACH transactions and generates low-cost deposits and fee income. Beyond standard real estate lending, OptimumBank has built two niche specialties: lending to skilled nursing facilities (SNFs), leveraging board and management healthcare expertise to originate real estate loans and asset-based lines of credit; and SBA 7(a) lending, which OptimumBank entered in late 2023 and for which it obtained Preferred Lender Program status in early 2025. OptimumBank earns revenue primarily through net interest margin — the spread between deposit costs and loan yields. The bank recently formed OptimumFunding, a non-bank subsidiary intended to originate bridge-to-HUD and FHA/HUD loans for multifamily and healthcare properties, though this subsidiary has not yet commenced operations.