Florida Banking September 2022

something to the table, and the board has a different point of view, but my role as chairman is to frame the conversation. Our discussions are healthy and friendly and we always have a positive outcome.”

OptimumBank, Continued from page 9

has expanded its lending staff in the last few years; the team processes good loans, and “lots of them”

according to Terry, averaging $20 million to $25 million in loans per month. Gubin and the board trust Terry’s management and don’t “meddle” in the operations of the bank. Like himself, all board members are businessmen, and Gubin sees this as one of the bank’s strengths. “I’ve always been a fan of gathering different opinions. I’ve found that divergent opinions give better results,” Gubin said. “I believe that

“I’VE ALWAYS BEEN A FAN OF GATHERING DIFFERENT OPINIONS. I’VE FOUND THAT DIVERGENT OPINIONS GIVE BETTER RESULTS.”

The bank has come a long way since the Great Recession, and the team is optimistic about the future. OptimumBank experienced uninterrupted growth even during the height of the Covid-19 pandemic; Terry said everything was “business as usual.”

“We ’ r e proud of our continued growth and look forward to the future,” Gubin said. “Our customers could rightfully choose any bank they want, but they chose us.”

- MOISHE GUBIN

part of our strength is having the checks and balances of both sides; bank management brings

The OptimumBank team available for photo (from l to r): Melissa Zureich, Elliot Nunez, Moishe Gubin, Mary Franco, Tim Terry, and Sherrie Himes.

10 — FLORIDA BANKING THE VOICE OF FLORIDA BANKING