OptimumBank Holdings, Inc. (OPHC) announced the creation of a wholly‑owned subsidiary, OptimumFunding, LLC, to launch a new platform focused on HUD and FHA lending. The move, disclosed on February 23 2026, is designed to broaden the bank’s commercial real‑estate financing capabilities by offering bridge‑to‑HUD financing and FHA‑ and HUD‑insured loan origination, servicing, and relationship management under one integrated platform.
The new subsidiary builds on OptimumBank’s existing expertise in skilled nursing facilities and multifamily lending. By providing a seamless transition from short‑term bridge financing to long‑term government‑insured solutions, OptimumFunding will operate with a relationship‑driven model that emphasizes responsiveness, transparency, and long‑term partnership while remaining fully aligned with the parent company’s governance, compliance, and risk‑management frameworks.
Capital investment for OptimumFunding has been authorized by the board and will be funded through a dividend to the holding company. The investment is intended to support the subsidiary’s initial operations and platform development, ensuring that the new venture can scale quickly while maintaining the bank’s strong risk controls.
OptimumBank’s recent financial performance provides a solid foundation for the expansion. In the fourth quarter of 2025, the bank reported net earnings of $4.85 million, a 22.8% year‑over‑year increase from $3.95 million in Q4 2024, and consolidated revenue of $13.60 million, up 31.9% from $10.31 million in Q4 2024. Full‑year 2025 results showed net earnings of $16.65 million, up from $13.12 million in 2024, and revenue of $49.36 million, up 31.9% from $39.31 million the previous year. Total assets reached $1.11 billion at the end of Q4 2025, and the net interest margin was 4.39%. Deposits grew 20.66% year‑over‑year to $931.75 million.
Management highlighted the strategic significance of the new platform. Chairman Moishe Gubin said, “The formation of OptimumFunding marks an important next chapter for our organization.” He also described 2025 as “the best quarter and the best year we have ever had.” Management expects OptimumFunding to reach $250 million in loans within 2‑3 years, diversify revenue streams, and strengthen the bank’s national presence in healthcare and multifamily finance.
The announcement was welcomed by investors, reflecting confidence in the bank’s strategic direction and its ability to leverage government‑insured lending to drive future growth.
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