OptimumBank adds A.G.P./Alliance Global Partners as agent for ATM equity program

OptimumBank Holdings, Inc.

Amendment No. 1 to At Market Issuance Sales Agreement dated July 1, 2025, adds A.G.P./Alliance Global Partners as Agent.
Original agreement with Compass Point Research & Trading, LLC dated August 9, 2024 remains in effect.
Shares offered under existing S-3 registration statement (File No. 333-281430) and prospectus supplement filed July 1, 2025.
Proceeds from any sales will be used for general corporate purposes.

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