{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-25-021952","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2025-11-12T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.035969+00:00","generated_at":"2026-05-16T20:56:29.149539+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"OptimumBank Q3 2025 net earnings $4.32M, up 20% QoQ; deposits grow 9%","bullets":["Q3 net earnings $4.32M ($0.18 diluted EPS) vs $3.60M in Q2 2025 and $3.30M in Q3 2024.","Net interest margin expanded to 4.37% from 4.32% QoQ; net interest income $11.05M.","Total deposits rose $80.62M to $959.49M (9.17% sequential growth); core noninterest-bearing deposits up $54.16M.","Total assets crossed $1.08B, up $83.92M from June 30, 2025 (33.6% annualized).","Tangible book value per diluted share $4.97, up from $4.76 in Q2 2025 and $4.28 a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-25-021952","json":"https://secwatch.observer/filing/0001493152-25-021952.json","markdown":"https://secwatch.observer/filing/0001493152-25-021952.md","text":"https://secwatch.observer/filing/0001493152-25-021952.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000149315225021952/0001493152-25-021952-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000149315225021952/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T20:56:29.149539+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"}