OptimumBank Holdings Launches Q1 2026 Commercial Real Estate Financing Promotion

OptimumBank Holdings, Inc. (NYSE American: OPHC) has launched a limited-time owner-occupied commercial real estate financing promotion for the first quarter of 2026. The promotion offers qualified borrowers up to 80 percent loan-to-value at an interest rate of SOFR plus 2.67 percent with a one-quarter point origination fee. Applications must be completed and submitted by March 31, 2026, making this a time-sensitive opportunity for businesses seeking commercial real estate financing.

The initiative is specifically designed to support growing businesses that require competitive financing solutions for owner-occupied commercial properties. By offering these terms, OptimumBank aims to strengthen its position in the commercial lending market while maintaining its commitment to relationship-driven banking practices. The bank emphasizes its local decision-making approach, which allows for more personalized service compared to larger financial institutions. This promotion represents a strategic move to attract business clients who value both competitive rates and responsive service.

The financing terms are particularly notable for their combination of high loan-to-value ratio and relatively low interest rate structure. The SOFR-based pricing reflects current market conditions while providing transparency in rate determination. The 80 percent loan-to-value ratio offers businesses significant leverage for their real estate investments, potentially enabling expansion or property acquisition that might otherwise be challenging to finance. The one-quarter point origination fee represents a competitive cost structure for this type of commercial financing.

This promotion aligns with OptimumBank's broader strategy of supporting economic development through responsible banking practices. The bank has established itself as a service-oriented institution with reasonable fees, positioning itself as an alternative to larger financial organizations. The limited-time nature of the offer creates urgency for businesses considering commercial real estate financing in the coming year. Companies interested in learning more about this promotion can find additional details through the company's official communications channels.

The timing of this promotion, set for the first quarter of 2026, provides businesses with advance notice to prepare their applications and financial documentation. This forward-looking approach allows potential borrowers to align their financing needs with the promotion window. The bank's emphasis on relationship-driven lending suggests that this promotion may serve as an entry point for longer-term banking relationships beyond just the financing transaction. As businesses continue to navigate economic uncertainties, access to competitive commercial real estate financing remains crucial for growth and stability.

For investors and stakeholders following OptimumBank Holdings, this announcement represents the company's ongoing efforts to expand its commercial lending portfolio while maintaining its service-oriented approach. The promotion demonstrates the bank's responsiveness to market opportunities and its commitment to supporting business growth in its service areas. Additional information about the company and its various initiatives is available through its official investor relations channels at https://ibn.fm/OPHC. The limited-time nature of this offer underscores the importance of timely action for businesses seeking to take advantage of these financing terms before the March 31, 2026 deadline.