{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-25-004883","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2025-02-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.224621+00:00","generated_at":"2026-05-27T02:27:32.989123+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 reports 2024 net income $13.1M, up 108% from $6.3M; EPS $1.39 basic","bullets":["Net income $13.1M ($1.39 basic EPS) vs $6.3M ($0.87) in 2023, doubling YoY.","Net interest income rose 46.3% to $34.7M; net interest margin improved to 3.83% from 3.75%.","Loans grew 18.2% to $804.0M; deposits up 20.7% to $772.2M.","Bank's Tier 1 capital ratio improved to 10.91% from 10.00%; well above well-capitalized minimum.","Completed ATM offering raising >$10M in early 2025 to further strengthen capital."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-25-004883","json":"https://secwatch.observer/filing/0001493152-25-004883.json","markdown":"https://secwatch.observer/filing/0001493152-25-004883.md","text":"https://secwatch.observer/filing/0001493152-25-004883.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000149315225004883/0001493152-25-004883-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000149315225004883/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T02:27:32.989123+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"}