{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-24-020156","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2024-05-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.731603+00:00","generated_at":"2026-06-01T19:26:07.529217+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"OptimumBank Q1 net earnings double to $2.38M; loan portfolio up 50% YoY","bullets":["Net earnings of $2.377M vs $1.153M in Q1 2023, a 106% increase.","Total assets $940M; loans net of allowance $746M; deposits $798M.","Loan portfolio grew 50.4% YoY to $755.9M from $502.5M.","Noninterest income rose 70% to $1.2M; capital ratio 10.20% (well capitalized).","Closed private placement of 2.31M common shares; launched SBA 7A lending."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-24-020156","json":"https://secwatch.observer/filing/0001493152-24-020156.json","markdown":"https://secwatch.observer/filing/0001493152-24-020156.md","text":"https://secwatch.observer/filing/0001493152-24-020156.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000149315224020156/0001493152-24-020156-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000149315224020156/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-01T19:26:07.529217+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}