{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-24-044308","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2024-11-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.982509+00:00","generated_at":"2026-05-30T02:43:31.759662+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"OptimumBank Q3 net income $3.3M, EPS $0.34; net interest income +51.5% YoY","bullets":["Net income rose to $3.3M ($0.34 basic, $0.32 diluted) from $1.2M ($0.18) in Q3 2023.","Net interest income increased 51.5% to $8.962M; net interest margin improved to 3.96% from 3.79%.","Noninterest income up 22.4% to $1.115M, driven by service charges and other income.","Gross loans grew 14.4% to $778M; total deposits rose 26.1% to $806.5M vs Dec 2023.","Tier 1 capital ratio improved to 10.38% from 10.00% at year-end 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-24-044308","json":"https://secwatch.observer/filing/0001493152-24-044308.json","markdown":"https://secwatch.observer/filing/0001493152-24-044308.md","text":"https://secwatch.observer/filing/0001493152-24-044308.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000149315224044308/0001493152-24-044308-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000149315224044308/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T02:43:31.759662+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"}