OPHC Profile
OptimumBank Holdings, Inc., headquartered in Fort Lauderdale, Florida, serves as the parent company for OptimumBank, which delivers a comprehensive range of consumer and commercial banking services. Founded in 2000, the company operates with a focus on providing tailored financial solutions to both individual and business clients. OptimumBank Holdings, Inc. emphasizes a customer-centric approach to banking, offering a variety of account types, lending products, and specialized services designed to meet diverse financial needs.
The company's banking services include a broad array of deposit accounts such as demand accounts, interest-bearing and noninterest-bearing savings, money market accounts, NOW accounts, and time deposit accounts. OptimumBank also provides certificates of deposit to meet longer-term savings objectives. On the lending front, the bank offers a comprehensive suite of loan products, including residential and commercial real estate loans, multi-family real estate loans, commercial and land development loans, construction loans, and consumer loans. Additionally, it provides lines of credit for working capital and other business needs.
OptimumBank's range of services extends beyond traditional banking products. The bank offers debit and ATM cards, as well as investment services, cash management solutions, and notary services. Its banking services also include night depository options, direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. The company's internet banking services allow customers to manage their accounts and conduct transactions conveniently online.
Operating with two banking offices in Broward County, Florida, OptimumBank Holdings, Inc. focuses on delivering personalized banking experiences within its local community. The company’s strategic emphasis on a broad service offering and customer satisfaction underpins its commitment to supporting the financial well-being of individuals and businesses across the region.
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