---
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"
generated_at: "2026-06-06T08:59:27.157397+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# OptimumBank 2023 net income $7.3M; assets up 36% to $791M; SBA lending goal $50M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- 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/1288855/000149315224004936/0001493152-24-004936-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1288855/000149315224004936/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-24-004936
- JSON: https://secwatch.observer/filing/0001493152-24-004936.json
- Plain text: https://secwatch.observer/filing/0001493152-24-004936.txt

## Key facts
- Earnings Releases
  OptimumBank Holdings, Inc. reported FY2023 results: net income $7,254,285.
  - Period: FY2023
  - Net income: $7,254,285
  - Result: preliminary results
  source text: ended the year with net income of $13,808,107 before credit loss and tax expenses, or $7,254,285 including those expenses.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1288855/000149315224004936/0001493152-24-004936-index.htm

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