---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-23-044134"
form_type: "8-K"
ticker: "OPHC"
cik: "0001288855"
company_name: "OptimumBank Holdings, Inc."
filed_at: "2023-12-08T23:59:59+00:00"
generated_at: "2026-06-07T15:27:25.048868+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# OptimumBank assets exceed $755.7M; core earnings up to $1.41M; SBA lending approved

## Summary
- Total assets reached $755.7M as of Oct 2023, up $43M from prior month; net loans increased $26M.
- Core earnings (non-GAAP) for Oct 2023 were $1,410,900, up from $963,215 at Dec 2022.
- SNF loan portfolio grew to over $28M since entering that business last year.
- Approved for SBA lending; closed first $300K loan, $15M pipeline, targeting $50M in SBA loans in 2024.
- Net income for Oct 2023 was $749,888 versus $540,836 at Dec 2022.

## SEC filing metadata
- accession: 0001493152-23-044134
- form_type: 8-K
- ticker: OPHC
- cik: 0001288855
- company_name: OptimumBank Holdings, Inc.
- filed_at: 2023-12-08T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1288855/000149315223044134/0001493152-23-044134-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1288855/000149315223044134/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-23-044134
- JSON: https://secwatch.observer/filing/0001493152-23-044134.json
- Plain text: https://secwatch.observer/filing/0001493152-23-044134.txt

## Key facts
- Earnings Releases
  OptimumBank Holdings, Inc. reported financial results for the month ended October 31, 2023.
  - Period: the month ended October 31, 2023
  - Result: reported results
  source text: On December 8, 2023, OptimumBank Holdings, Inc. issued a press release describing aspects of its results of operations for the month ended October 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1288855/000149315223044134/0001493152-23-044134-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.