AUSTIN, Texas, October 21, 2025 – via IBN – IBN, a multifaceted communications organization engaged in connecting public companies to the investment community, is pleased to announce the release of the latest episode of The GotStocks Podcast as part of its sustained effort to provide specialized content distribution via widespread syndication channels. The GotStocks Podcast shines a spotlight on the small-cap sector through in-depth interviews with executives leading promising companies poised for significant growth. The latest episode features Moishe Gubin, Chairman of OptimumBank Holdings Inc. (NYSE American: OPHC), a single bank holding company that owns 100% of OptimumBank, a community bank headquartered in Fort Lauderdale, Florida. To begin the interview, Gubin discussed OptimumBank’s community focus and long-term trajectory. “We are a community bank that services businesses and individuals… We’ve been on the New York Stock Exchange for going on 25 years, and we broke a billion dollars in total assets in the last year. We’ve achieved 30-40% growth over the last 5-6 years, and we expect that to continue,” he said. “Our bank is geared toward customer service. We know that we can’t compete with a big bank in terms of national coverage, so we focus on how we take care of our customers and treat everybody as family.” He went on to describe how the company is positioning itself for sustainable expansion. “We’re currently earning about $20 to $25 million of net income a year. At a 10% capital rate, that gives us the ability to grow about $200 million a year. On top of that, we have no debt on our balance sheet today, so there’s opportunity for us to take in preferred debt. There are a lot of avenues we could go to bring in either equity or debt to carry our balance sheet.” Gubin also highlighted OptimumBank’s lending philosophy and high-touch client approach. “We haven’t had a bad loan in many, many years… Most of our loans are in Florida to borrowers who are local, know our bank, and are customers… Our customers are truly like family members; they’re known to the bank… When someone’s a customer and they need something, we’re able to go out-of-the-box and take care of them. That creates a cult following… There’s value there.” Join IBN’s Carmel Fisher and Moishe Gubin, Chairman of OptimumBank Holdings, as they discuss sustainable banking, growth without dilution, and how the company is serving South Florida with a relationship-first approach. To hear the episode and subscribe for future podcasts, visit https://podcast.gotstocks.net The latest installment of The GotStocks Podcast continues to reinforce IBN’s commitment to the expansion of its robust network of brands, client partners, followers, and the growing IBN Podcast Series. For more than 19 years, IBN has leveraged this commitment to provide unparalleled distribution and corporate messaging solutions to 500+ public and private companies. To learn more about IBN’s achievements and milestones via a visual timeline, visit: https://IBN.fm/TimeLine About OptimumBank Holdings Inc. OptimumBank was founded in 2000 in Ft. Lauderdale, Florida. The bank focuses on traditional in-person banking with businesses and consumers residing in South Florida. Its customers found a bank that isn’t charging the exorbitant fees they were experiencing at the larger financial institutions—a bank having unmatched expertise in real estate and commercial lending. OptimumBank has seen explosive growth this decade and looks to capitalize on its momentum in the coming months and years ahead. OptimumBank’s business and financial solutions include Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking. For more information, visit the company’s website at www.OptimumBank.com About IBN IBN consists of financial brands introduced to the investment public over the course of 19+ years. With IBN, we have amassed a collective audience of millions of social media followers. These distinctive investor brands aim to fulfill the unique needs of a growing base of client-partners. IBN will continue to expand our branded network of highly influential properties, leveraging the knowledge and energy of specialized teams of experts to serve our increasingly diversified list of clients. Through our Dynamic Brand Portfolio (DBP), IBN provides: (1) access to a network of wire solutions via InvestorWire to reach all target markets, industries and demographics in the most effective manner possible; (2) article and editorial syndication to 5,000+ news outlets; (3) Press Release Enhancement to ensure maximum impact; (4) full-scale distribution to a growing social media audience; (5) a full array of corporate communications solutions; and (6) total news coverage solutions. For more information, please visit https://www.InvestorBrandNetwork.com Please see full terms of use and disclaimers on the InvestorBrandNetwork website applicable to all content provided by IBN, wherever published or re-published: http://IBN.fm/Disclaimer Forward-Looking Statements This release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended. All forward-looking statements are inherently uncertain as they are based on current expectations and assumptions concerning future events or future performance of the company. Readers are cautioned not to place undue reliance on these forward-looking statements, which are only predictions and speak only as of the date hereof. In evaluating such statements, prospective investors should review carefully various risks and uncertainties identified in this release and matters set in the company's SEC filings. These risks and uncertainties could cause the company's actual results to differ materially from those indicated in the forward-looking statements. Corporate Communications IBN Austin, Texas www.InvestorBrandNetwork.com 512.354.7000 Office Editor@InvestorBrandNetwork.com
