---
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"
generated_at: "2026-05-30T02:43:31.759662+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# OptimumBank Q3 net income $3.3M, EPS $0.34; net interest income +51.5% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-24-044308
- JSON: https://secwatch.observer/filing/0001493152-24-044308.json
- Plain text: https://secwatch.observer/filing/0001493152-24-044308.txt

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