OptimumBank Holdings Launches Q1 2026 Owner-Occupied CRE Financing Promotion with Competitive Rates

OptimumBank Holdings Inc. (NYSE American: OPHC) has announced a limited-time owner-occupied commercial real estate financing promotion for the first quarter of 2026, offering competitive pricing aimed at small and mid-sized businesses seeking to purchase or refinance owner-occupied properties. The promotion provides qualified borrowers with financing of up to 80% loan-to-value at an interest rate of SOFR plus 2.67%, along with a one-quarter point origination fee. This promotional pricing highlights OptimumBank's disciplined, relationship-driven lending model and business-owner-focused approach, positioning the bank as a community-focused institution built around personalized service and local decision-making.

The program's structure reflects current market conditions where small and mid-sized businesses often face challenges securing favorable commercial real estate financing terms. By offering financing up to 80% loan-to-value, OptimumBank enables business owners to preserve more capital for operational needs while acquiring or refinancing their commercial properties. The SOFR-based pricing provides transparency in interest rate calculations, which has become increasingly important in commercial lending as businesses seek predictable financing costs. The bank's emphasis on relationship-driven lending suggests a departure from purely transactional approaches common in larger financial institutions, potentially offering more flexibility in underwriting for qualified borrowers.

For investors and stakeholders following the company's developments, the latest news and updates relating to OPHC are available in the company's newsroom at https://ibn.fm/OPHC. This financing promotion represents a strategic initiative to expand OptimumBank's commercial lending portfolio while maintaining its community banking philosophy. The timing of the promotion for Q1 2026 allows businesses to plan ahead for their commercial real estate needs, potentially stimulating local economic activity through property acquisitions and refinancing. The program's parameters demonstrate how community banks can compete with larger institutions by offering specialized products tailored to specific market segments, particularly owner-occupied commercial properties that represent both business facilities and significant investments for entrepreneurs.

The promotional offer's limited-time nature creates urgency for businesses considering commercial real estate transactions, potentially accelerating decision-making processes that might otherwise be delayed. By focusing on owner-occupied properties specifically, OptimumBank targets businesses with vested interests in their physical locations, which typically demonstrate stronger commitment to loan repayment and property maintenance. This targeted approach aligns with the bank's stated emphasis on relationship banking, where understanding a business's operations and needs becomes integral to the lending process. The program's announcement reinforces OptimumBank's positioning within the competitive Florida banking market, where community banks must differentiate themselves through specialized offerings and personalized service approaches that larger regional and national banks may not replicate effectively.