---
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"
generated_at: "2026-05-27T02:27:32.989123+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# OptimumBank reports 2024 net income $13.1M, up 108% from $6.3M; EPS $1.39 basic

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1288855/000149315225004883/0001493152-25-004883-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1288855/000149315225004883/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-25-004883
- JSON: https://secwatch.observer/filing/0001493152-25-004883.json
- Plain text: https://secwatch.observer/filing/0001493152-25-004883.txt

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