secwatch.observer — SEC 8-K summary
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Issuer:     OptimumBank Holdings, Inc. (OPHC)
CIK:        0001288855
Form:       8-K
Filed at:   2025-11-12T23:59:59+00:00
Accession:  0001493152-25-021952
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1288855/000149315225021952/0001493152-25-021952-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1288855/000149315225021952/form8-k.htm
  HTML page:      https://secwatch.observer/filing/0001493152-25-021952

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