OPHC Company Profile and Key Details

OptimumBank Holdings, Inc. operates as the parent entity for OptimumBank, delivering a comprehensive range of financial solutions to both individual customers and corporate clients. The institution offers diverse deposit options, including various interest-bearing and non-interest-bearing checking accounts, savings accounts, money market accounts, NOW accounts, time deposits, and certificates of deposit. For its lending activities, OptimumBank extends financing for residential, commercial, and multi-family real estate, general commercial purposes, land acquisition and construction, and consumer needs, in addition to providing lines of credit for working capital. Further services include debit and ATM cards, investment advisory, cash management, notary public services, and night depository facilities. Clients can also utilize direct deposits, money orders, cashier's checks, domestic collections, banking by mail, and extensive internet banking capabilities. Founded in 2000, the company maintains its headquarters in Fort Lauderdale, Florida, and conducts operations through two banking offices located in Broward County.