---
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"
generated_at: "2026-05-16T20:56:29.149539+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# OptimumBank Q3 2025 net earnings $4.32M, up 20% QoQ; deposits grow 9%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-25-021952
- JSON: https://secwatch.observer/filing/0001493152-25-021952.json
- Plain text: https://secwatch.observer/filing/0001493152-25-021952.txt

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