OptimumBank Holdings, Inc. has introduced a limited‑time promotion for owner‑occupied commercial real‑estate loans, offering qualified borrowers up to 80% loan‑to‑value at a rate of SOFR plus 2.67 percent and a one‑quarter point origination fee. The offer is available through March 31 2026 and requires a minimum purchase price of one million dollars and an established deposit relationship with the bank.
The promotion is part of OptimumBank’s broader strategy to deepen its deposit franchise and capture market share in Florida’s robust commercial‑real‑estate sector. By targeting owner‑occupied properties, the bank can expand its niche lending portfolio, generate additional fee income, and reinforce its relationship‑driven, locally‑underwritten lending model. The initiative follows recent capital‑structure enhancements announced on January 5 2026 and aligns with the bank’s record asset growth to $1.08 billion and Q3 2025 net earnings of $4.32 million.
Florida’s CRE market is experiencing significant refinancing activity and selective acquisitions, with many loans originating in 2020‑2021 approaching maturity. The promotion offers competitive rates—SOFR plus 2.67 percent, which translates to roughly 6.3%‑6.55% in early January 2026—providing a timely solution for owner‑occupied borrowers seeking to refinance or acquire new properties. The 0.25% origination fee and high LTV also make the product attractive in a market where lenders are prioritizing certainty and clear execution plans.
Chief Lending Officer Jeni Chokron said the promotion “reflects OptimumBank’s continued commitment to providing flexible, competitive capital solutions for owner‑operated businesses. We focus on building long‑term banking relationships while delivering timely, customized financing.” Her comments underscore the bank’s intent to strengthen customer relationships and support growth in the owner‑occupied segment.
The promotion comes at a time when OptimumBank’s financials show healthy momentum: Q3 2025 net interest margin stood at 4.37%, and the bank’s total assets grew to $1.08 billion. The new product is expected to add fee income and support loan growth, reinforcing the bank’s strategy of expanding its niche lending portfolio while maintaining disciplined underwriting standards.
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