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  <url><loc>https://stock.noler.com/us/stock/ophc/current-income-tax-expense-benefit</loc></url>
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  <url><loc>https://stock.noler.com/us/stock/ophc/income-tax-reconciliation-income-tax-expense-benefit-at-federal-statutory-income-tax-rate</loc></url>
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  <url><loc>https://stock.noler.com/us/stock/ophc/dividends-cash</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/stockholders-equity-other</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/net-cash-provided-by-used-in-operating-activities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/amortization-of-financing-costs-and-discounts</loc></url>
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  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-sale-of-available-for-sale-securities-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-maturities-prepayments-and-calls-of-available-for-sale-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-maturities-prepayments-and-calls-of-held-to-maturity-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-sale-of-other-real-estate</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-to-acquire-property-plant-and-equipment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-to-acquire-available-for-sale-securities-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/net-cash-provided-by-used-in-financing-activities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-other-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-issuance-of-common-stock</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-issuance-of-preferred-stock-and-preference-stock</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-for-proceeds-from-federal-home-loan-bank-stock</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/cash-cash-equivalents-restricted-cash-and-restricted-cash-equivalents-period-increase-decrease-including-exchange-rate-effect</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/cash-cash-equivalents-restricted-cash-and-restricted-cash-equivalents-including-disposal-group-and-discontinued-operations</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/interest-paid-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/income-taxes-paid-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/letters-of-credit-outstanding-amount</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/defined-contribution-plan-employer-discretionary-contribution-amount</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/operating-loss-carryforwards</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/number-of-reportable-segments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/increase-decrease-in-loans-from-other-federal-home-loan-banks</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/advances-from-federal-home-loan-banks</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-leverage-capital</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-real-estate-valuation-adjustments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/time-deposits-at-or-above-fdic-insurance-limit</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/time-deposit-maturities-year-one</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/time-deposit-maturities-year-two</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/time-deposit-maturities-year-three</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/real-estate-other-acquisitions</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/ffd-net-fee-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/ffd-ttl-fee-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/ffd-ttl-offering-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/ffd-ttl-offset-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/ffd-ttl-prevsly-pd-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/cash-on-hand</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-funds-sold</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/marketable-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/real-estate-acquired-through-foreclosure</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-real-estate</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-securities-available-for-sale-accrued-interest-after-allowance-for-credit-loss</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/income-tax-receivable</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/cash-and-securities-segregated-under-federal-and-other-regulations</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-allowance-for-credit-losses-individually-evaluated-for-impairment1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-allowance-for-credit-losses-collectively-evaluated-for-impairment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-collectively-evaluated-for-impairment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-individually-evaluated-for-impairment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-modifications-post-modification-recorded-investment2</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-modifications-recorded-investment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-recorded-investment-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-recorded-investment-past-due</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-recorded-investment30-to59-days-past-due</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-recorded-investment60-to89-days-past-due</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-recorded-investment-equal-to-greater-than90-days-past-due</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/accumulated-other-comprehensive-income-loss-other-than-temporary-impairment-not-credit-loss-net-of-tax-availableforsale-debt-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/accumulated-other-comprehensive-income-loss-other-than-temporary-impairment-not-credit-loss-net-of-tax-heldtomaturity-debt-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/held-to-maturity-securities-in-unrealized-loss-positions-qualitative-disclosure-number-of-positions</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impaired-financing-receivable-average-recorded-investment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impaired-financing-receivable-recorded-investment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impaired-financing-receivable-related-allowance</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impaired-financing-receivable-unpaid-principal-balance</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impaired-financing-receivable-with-no-related-allowance-recorded-investment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impaired-financing-receivable-with-no-related-allowance-unpaid-principal-balance</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impaired-financing-receivable-with-related-allowance-recorded-investment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impaired-financing-receivable-with-related-allowance-unpaid-principal-balance</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/loans-and-leases-receivable-allowance</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/loans-and-leases-receivable-deferred-income</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/loans-and-leases-receivable-gross-carrying-amount</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/loans-and-leases-receivable-net-reported-amount</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-modifications-number-of-contracts2</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-modifications-pre-modification-recorded-investment2</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-debt-maturities-after-five-through-ten-years-amortized-cost</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-debt-maturities-after-ten-years-amortized-cost</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-debt-maturities-after-five-through-ten-years-fair-value</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-debt-maturities-after-ten-years-fair-value</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/equity-method-investment-ownership-percentage</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-and-held-to-maturity-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-accumulated-gross-unrealized-gain-before-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-accumulated-gross-unrealized-loss-before-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-amortized-cost</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-continuous-unrealized-loss-position12-months-or-longer-accumulated-loss</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-continuous-unrealized-loss-position12-months-or-longer-aggregate-losses</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/availableforsale-securities-continuous-unrealized-loss-position12-months-or-longer-aggregate-losses2</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-continuous-unrealized-loss-position-less-than12-months-accumulated-loss</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-continuous-unrealized-loss-position-less-than12-months-aggregate-losses</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/availableforsale-securities-continuous-unrealized-loss-position-less-than12-months-aggregate-losses2</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-continuous-unrealized-loss-position-less-than-twelve-months-fair-value</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-continuous-unrealized-loss-position-twelve-months-or-longer-fair-value</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-debt-maturities-amortized-cost</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-fair-value-disclosure</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/availableforsale-securities-gross-unrealized-gain</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-gross-unrealized-losses1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/held-to-maturity-securities-transferred-security-at-carrying-value</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/deferred-tax-assets-tax-deferred-expense-reserves-and-accruals-provision-for-loan-losses</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/deferred-tax-assets-tax-deferred-expense-reserves-and-accruals-impairment-losses</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/deferred-tax-assets-tax-deferred-expense-other</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/deferred-tax-assets-gross</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/deferred-tax-assets-valuation-allowance</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/cash-and-cash-equivalents-fair-value-disclosure</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/loans-receivable-fair-value-disclosure</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/securities-loaned-or-sold-under-agreements-to-repurchase-fair-value-disclosure</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-risk-based-capital-required-to-be-well-capitalized</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-leverage-capital-required-to-be-well-capitalized</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-risk-based-capital-to-risk-weighted-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-risk-based-capital-required-to-be-well-capitalized-to-risk-weighted-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-risk-based-capital-required-for-capital-adequacy-to-risk-weighted-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/capital-to-risk-weighted-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/capital-required-for-capital-adequacy-to-risk-weighted-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-leverage-capital-required-to-be-well-capitalized-to-average-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-leverage-capital-required-for-capital-adequacy-to-average-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-modifications-number-of-contracts1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-modifications-post-modification-recorded-investment1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-modifications-pre-modification-recorded-investment1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/loans-and-leases-receivable-related-parties</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/junior-subordinated-notes-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/interest-payable-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-funds-purchased</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/employee-related-liabilities-current-and-noncurrent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/interest-payable-current-and-noncurrent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/advance-payments-by-borrowers-for-taxes-and-insurance</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-due-within-one-year-of-balance-sheet-date</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/junior-subordinated-notes</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/loans-payable</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-instrument-face-amount</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-instrument-interest-rate-stated-percentage</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-instrument-interest-rate-effective-percentage</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-instrument-interest-rate-during-period</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-instrument-basis-spread-on-variable-rate1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-instrument-periodic-payment-principal</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-instrument-basis-spread-on-variable-rate</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/allowance-for-loan-and-lease-loss-recovery-of-bad-debts</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/provision-for-loan-and-lease-losses</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/accrued-employee-benefits-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-accrued-liabilities-current-and-noncurrent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/deferred-tax-liabilities-prepaid-expenses</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/deferred-tax-liabilities-unrealized-gains-on-trading-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/deferred-tax-liabilities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/unrecognized-tax-benefits</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/unrecognized-tax-benefits-increases-resulting-from-prior-period-tax-positions</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/unrecognized-tax-benefits-increases-resulting-from-current-period-tax-positions</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/unrecognized-tax-benefits-decreases-resulting-from-settlements-with-taxing-authorities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/income-tax-examination-penalties-and-interest-accrued</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/income-tax-examination-liability-refund-adjustment-from-settlement-with-taxing-authority</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-borrowings-fair-value-disclosure</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/lessee-operating-lease-liability-payments-remainder-of-fiscal-year</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/operating-leases-future-minimum-payments-due</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/operating-leases-future-minimum-payments-due-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/operating-leases-future-minimum-payments-due-thereafter</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/operating-leases-future-minimum-payments-due-in-five-years</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/operating-leases-future-minimum-payments-due-in-four-years</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/operating-leases-future-minimum-payments-due-in-three-years</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/operating-leases-future-minimum-payments-due-in-two-years</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/related-party-deposit-liabilities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-general-debt-obligations-disclosures-collateral-pledged1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-general-debt-obligations-disclosures-amount-of-available-unused-funds</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/pledged-financial-instruments-not-separately-reported-loans-receivable-pledged-for-federal-home-loan-bank-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/preferred-stock-value</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/accumulated-other-comprehensive-income-loss-available-for-sale-securities-adjustment-net-of-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/preferred-stock-shares-issued</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/preferred-stock-shares-outstanding</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/preferred-stock-liquidation-preference-value</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/preferred-stock-liquidation-preference</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/stockholders-equity-note-stock-split-conversion-ratio1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/subsidiary-or-equity-method-investee-cumulative-percentage-ownership-after-all-transactions</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/share-based-compensation-arrangement-by-share-based-payment-award-number-of-shares-available-for-grant</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/share-based-compensation-arrangement-by-share-based-payment-award-options-outstanding-number</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/share-based-compensation-arrangement-by-share-based-payment-award-options-expirations-in-period</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/share-based-compensation-arrangement-by-share-based-payment-award-options-outstanding-weighted-average-exercise-price</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/sharebased-compensation-arrangement-by-sharebased-payment-award-options-exercisable-intrinsic-value1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/sharebased-compensation-shares-authorized-under-stock-option-plans-exercise-price-range-outstanding-options-weighted-average-exercise-price-beginning-balance1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/gain-loss-on-sale-of-property-plant-equipment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/income-loss-from-continuing-operations-before-income-taxes-minority-interest-and-income-loss-from-equity-method-investments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-comprehensive-income-unrealized-holding-gain-loss-on-securities-arising-during-period-net-of-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impaired-financing-receivable-interest-income-accrual-method</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impaired-financing-receivable-interest-income-cash-basis-method</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-debt-securities-gross-unrealized-gain</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-securities-available-for-sale-realized-gain</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/marketable-securities-gain-loss-excluding-other-than-temporary-impairments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-change-in-net-unrealized-holding-gain-loss-net-of-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-gross-realized-gain-loss-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-gross-realized-gains</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-gross-realized-losses</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-gross-unrealized-gains</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/gain-loss-on-sale-of-securities-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/held-to-maturity-securities-transferred-to-available-for-sale-securities-unrealized-gain-loss</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-securities-available-for-sale-realized-loss</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/income-loss-from-continuing-operations-before-income-taxes-domestic</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/net-income-loss-available-to-common-stockholders-basic</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-comprehensive-income-reclassification-adjustment-for-held-to-maturity-transferred-to-available-for-sale-securities-before-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-comprehensive-income-loss-reclassification-adjustment-from-aoci-for-sale-of-securities-before-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-comprehensive-income-loss-tax-portion-attributable-to-parent1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-comprehensive-income-loss-reclassification-adjustment-from-aoci-for-sale-of-securities-net-of-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-comprehensive-income-loss-reclassification-adjustment-from-aoci-for-writedown-of-securities-net-of-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-comprehensive-income-loss-available-for-sale-securities-adjustment-net-of-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/comprehensive-income-net-of-tax-including-portion-attributable-to-noncontrolling-interest</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-comprehensive-loss-held-to-maturity-security-otti-after-tax-and-adjustments-attributable-to-parent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-comprehensive-income-loss-reclassification-adjustment-for-writedown-of-securities-included-in-net-income-net-of-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/common-stock-dividends-per-share-declared</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/common-stock-dividends-per-share-cash-paid</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/share-based-compensation-arrangements-by-share-based-payment-award-options-forfeitures-in-period-weighted-average-exercise-price</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/share-based-compensation-arrangements-by-share-based-payment-award-options-expirations-in-period-weighted-average-exercise-price</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/earnings-per-share-basic-and-diluted</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/weighted-average-number-of-share-outstanding-basic-and-diluted</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/gains-losses-on-extinguishment-of-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/provision-for-other-credit-losses</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/financing-receivable-troubled-debt-restructuring-increase-decrease-from-modification</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/finance-lease-right-of-use-asset-amortization</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/impairment-of-real-estate</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/general-insurance-expense</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/foreclosed-real-estate-expense</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/supplies-expense</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-than-temporary-impairment-losses-investments-portion-in-other-comprehensive-income-loss-before-tax-including-portion-attributable-to-noncontrolling-interest-availableforsale-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-than-temporary-impairment-losses-investments-portion-in-other-comprehensive-income-loss-before-tax-including-portion-attributable-to-noncontrolling-interest</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-than-temporary-impairment-losses-investments-portion-in-other-comprehensive-income-loss-net-of-tax-including-portion-attributable-to-noncontrolling-interest</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/pension-and-other-postretirement-benefit-expense</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/available-for-sale-securities-gross-unrealized-loss</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/operating-leases-rent-expense-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-than-temporary-impairment-losses-investments-availableforsale-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/other-than-temporary-impairment-losses-investments-portion-recognized-in-earnings-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/interest-expense</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/income-tax-reconciliation-deductions</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/income-tax-reconciliation-change-in-deferred-tax-assets-valuation-allowance</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/effective-income-tax-rate-reconciliation-deductions</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/effective-income-tax-rate-reconciliation-change-in-deferred-tax-assets-valuation-allowance</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/income-tax-expense-benefit-continuing-operations-adjustment-of-deferred-tax-asset-liability</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/stock-granted-during-period-value-sharebased-compensation-gross</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/stock-granted-during-period-value-sharebased-compensation-forfeited</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/stock-granted-during-period-value-sharebased-compensation</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/share-based-compensation-arrangement-by-share-based-payment-award-options-grants-in-period-gross</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/share-based-compensation-arrangement-by-share-based-payment-award-options-forfeitures-in-period</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/adjustments-to-additional-paid-in-capital-sharebased-compensation-requisite-service-period-recognition-value</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/adjustments-to-additional-paid-in-capital-stock-split</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/net-cash-provided-by-used-in-operating-activities-continuing-operations</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/depreciation</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/adjustment-for-amortization</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/unrealized-gain-loss-on-investments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/increase-decrease-in-income-taxes-receivable</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/increase-decrease-in-accrued-interest-receivable-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/increase-decrease-in-other-receivables</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/increase-decrease-in-interest-payable-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/increase-decrease-in-federal-funds-purchased</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/net-cash-provided-by-used-in-investing-activities-continuing-operations</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-sale-of-property-plant-and-equipment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-sale-of-productive-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-sale-and-maturity-of-available-for-sale-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-sale-of-held-to-maturity-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-sale-and-maturity-of-marketable-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-sale-of-federal-home-loan-bank-stock</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-sale-of-foreclosed-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-sale-of-available-for-sale-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-to-acquire-held-to-maturity-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-to-acquire-marketable-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-to-acquire-federal-home-loan-bank-stock</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-to-acquire-available-for-sale-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/net-cash-provided-by-used-in-financing-activities-continuing-operations</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/issuance-of-stock-and-warrants-for-services-or-claims</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-for-proceeds-from-productive-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-repayments-of-other-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/debt-conversion-converted-instrument-shares-issued1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-for-proceeds-from-loans-and-leases</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-payments-for-in-securities-sold-under-agreements-to-repurchase</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/proceeds-from-federal-home-loan-bank-advances</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-for-capital-improvements</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/repayments-of-federal-home-loan-bank-borrowings</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-for-federal-home-loan-bank-advances</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/payments-for-proceeds-from-availableforsale-securities-shortterm</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/cash-and-cash-equivalents-period-increase-decrease</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/gains-losses-on-sales-of-investment-real-estate</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/transfer-to-other-real-estate</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/transfer-of-investments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/stock-issued1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/loans-assumed1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/interest-paid</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/income-taxes-paid</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/aoci-tax-attributable-to-parent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/share-price</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/defined-contribution-plan-employer-matching-contribution-percent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/number-of-operating-segments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-funds-purchased-fair-value-disclosure</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/deposits-fair-value-disclosure</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/prepayment-fees-on-advances-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-activity-for-year-average-balance-of-agreements-outstanding</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-due-from-one-to-two-years-of-balance-sheet-date</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-due-from-two-to-three-years-of-balance-sheet-date</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-due-from-three-to-four-years-of-balance-sheet-date</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-due-from-four-to-five-years-of-balance-sheet-date</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-of-amounts-due-within-one-year-of-balance-sheet-date</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-one-to-two-years-from-balance-sheet-date</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-two-to-three-years-from-balance-sheet-date</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-three-to-four-years-from-balance-sheet-date</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-average-interest-rate-four-to-five-years-from-balance-sheet-date</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/federal-home-loan-bank-advances-maturities-summary-by-interest-rate-type-one-to-five-years</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-risk-based-capital</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-risk-based-capital-required-for-capital-adequacy</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/tier-one-leverage-capital-required-for-capital-adequacy</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/capital</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/capital-required-for-capital-adequacy</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/supplementary-leverage-ratio</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/real-estate-owned-valuation-allowance</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/real-estate-owned-valuation-allowance-provision1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/time-deposits100000-or-more</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/noninterest-bearing-domestic-deposit-brokered</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/time-deposit-maturities-year-four</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/time-deposit-maturities-year-five</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/bank-loans</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/fees-and-commissions-depositor-accounts</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/fees-and-commissions-other</loc></url>
  <url><loc>https://stock.noler.com/us/stock/ophc/real-estate-owned-valuation-allowance-provision</loc></url>
</urlset>
