{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-24-004936","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2024-02-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.692128+00:00","generated_at":"2026-06-06T08:59:27.157397+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"OptimumBank 2023 net income $7.3M; assets up 36% to $791M; SBA lending goal $50M","bullets":["Net income for the Bank was $7,254,285 in 2023; shareholder equity $70M.","Total assets reached $791M, up 35.53% from $584M; loan portfolio grew 40.69% to $680M.","Secured lending limit $18.7M, unsecured $11.2M.","New national SBA lending program expected $50M in closings in 2024; $20M accounts receivable credit lines provided to Skilled Nursing Facilities."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-24-004936","json":"https://secwatch.observer/filing/0001493152-24-004936.json","markdown":"https://secwatch.observer/filing/0001493152-24-004936.md","text":"https://secwatch.observer/filing/0001493152-24-004936.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000149315224004936/0001493152-24-004936-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000149315224004936/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T08:59:27.157397+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"8f0be498bb52c061f908a8816bb351d861cb7584","claim":"OptimumBank Holdings, Inc. reported FY2023 results: net income $7,254,285.","evidence_excerpt":"ended the year with net income of $13,808,107 before credit loss and tax expenses, or $7,254,285 including those expenses.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1288855/000149315224004936/0001493152-24-004936-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"FY2023"},{"label":"Net income","value":"$7,254,285"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}