OptimumBank Holdings, Inc. serves as a bank holding company for OptimumBank (the Bank). The Bank 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. The basic services it offers include demand interest-bearing and non-interest-bearing accounts, money market deposit accounts, negotiable order of withdrawal (NOW) accounts, time deposits, credit cards, cash management, direct deposits, notary services, money orders, night depository, travelers’ checks, cashier’s checks, domestic collections, savings bonds, bank drafts, automated teller services, drive-in tellers, and banking by mail. The Bank also provides automated teller machine (ATM) cards, as a part of the Star, Presto and Cirrus networks.