OptimumBank Holdings, Inc. serves as a bank holding company for OptimumBank (the Bank). OptimumBank provides community banking services to individuals and businesses in Broward, Miami-Dade and Palm Beach counties. The principal sources of funds for its lending activities are deposits, borrowings, repayment of loans, and the repayment, or maturity of investment securities. It provides a range of consumer and commercial banking services to individuals and businesses.