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.