OptimumBank Holdings, Inc. operates as the parent entity for OptimumBank, delivering a comprehensive range of financial solutions to both individual customers and corporate clients. The institution offers diverse deposit options, including various interest-bearing and non-interest-bearing checking accounts, savings accounts, money market accounts, NOW accounts, time deposits, and certificates of deposit. For its lending activities, OptimumBank extends financing for residential, commercial, and multi-family real estate, general commercial purposes, land acquisition and construction, and consumer needs, in addition to providing lines of credit for working capital.