Company description

Forward-Looking Statements We have made forward-looking statements in this Annual Report about the financial condition, results of operations, and business of our company. These statements are not historical facts and include expressions concerning the future that are subject to risks and uncertainties. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include, among other things, the following possibilities: ● general economic conditions, either nationally or regionally, that are less favorable than expected resulting in, among other things, a deterioration in credit quality and an increase in credit risk-related losses and expenses; ● changes in the interest rate environment that reduce margins; ● competitive pressure in the banking industry that increases significantly; ● changes that occur in the regulatory environment; and ● changes that occur in business conditions and the rate of inflation. When used in this Annual Report, the words “believes,” “estimates,” “plans,” “expects,” “should,” “may,” “might,” “outlook,” and “anticipates,” as well as similar expressions, as they relate to us or our management, are intended to identify forward-looking statements. General OptimumBank Holdings, Inc. is a Florida corporation (the “Company”) formed in 2004 as a bank holding company for OptimumBank (the “Bank”). The Company’s only business is the ownership and operation of the Bank.

Read the full filing description · filed 26 Feb 2026

At a glance

Sector

Financial Services

Industry

National Commercial Banks

Employees (2026)