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, set at SOFR plus 2.67% with a one-quarter point origination fee, represents a strategic move by the Florida-based community and business bank to attract business owners looking to secure financing for their operational properties. The program highlights OptimumBank's disciplined, relationship-driven lending model and business-owner-focused approach, positioning the institution as a community-focused entity built around personalized service and local decision-making.
The announcement, made on January 9, comes as many businesses evaluate their real estate financing options in a fluctuating economic environment. By offering financing up to 80% loan-to-value, OptimumBank provides business owners with significant leverage while maintaining responsible lending standards. This promotion allows qualified borrowers to access capital for property acquisition or refinancing with favorable terms that may not be readily available through larger financial institutions.
The implications of this announcement extend beyond immediate financing opportunities for business owners. OptimumBank's continued focus on owner-occupied commercial real estate financing demonstrates the institution's commitment to supporting local economic development and business growth. As noted in the company's communications, the latest news and updates relating to OPHC are available in the company's newsroom at https://ibn.fm/OPHC, providing investors and stakeholders with ongoing information about the bank's initiatives.
For the broader banking industry, this promotion represents how community banks can differentiate themselves through targeted lending programs and personalized service. While larger financial institutions often focus on standardized products, community banks like OptimumBank can offer more flexible terms and relationship-based lending that better serves the specific needs of local businesses. This approach not only benefits borrowers but also strengthens the bank's position within its service communities.
The timing of this Q1 2026 promotion allows business owners to plan ahead for their financing needs, providing them with certainty about available terms well in advance. This forward-looking approach to lending demonstrates OptimumBank's understanding of business planning cycles and its commitment to being a reliable financial partner for local enterprises. The promotional structure, with its clear pricing and terms, reduces uncertainty for borrowers considering commercial real estate transactions.
As businesses continue to navigate post-pandemic economic conditions, access to affordable commercial real estate financing remains crucial for growth and stability. OptimumBank's promotion addresses this need directly, offering competitive rates that can help business owners manage their capital more effectively. The bank's emphasis on owner-occupied properties specifically targets businesses that are invested in their local communities, aligning with the institution's community-focused mission.
The promotional offering also reflects broader trends in commercial lending, where relationship banking and personalized service are increasingly valued by business customers. By maintaining this focus while offering competitive terms, OptimumBank positions itself to capture market share in the owner-occupied CRE financing segment while reinforcing its reputation as a bank that understands and supports local business needs.
