{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-26-004703","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2026-02-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.722456+00:00","generated_at":"2026-05-16T05:33:50.143539+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"OptimumBank Q4 net earnings $4.85M ($0.21 diluted EPS); FY2025 net $16.64M ($0.71 diluted EPS)","bullets":["Q4 net earnings $4.85M ($0.21 diluted EPS), up from $3.95M ($0.18) in Q4 2024 and $4.32M ($0.18) in Q3 2025.","Full-year 2025 net earnings $16.64M ($1.42 basic, $0.71 diluted), up from $13.12M ($1.39 basic, $0.63 diluted) in 2024.","Gross loans $958.79M (+$145.07M or 17.83% QoQ); deposits $931.75M (-$27.74M QoQ, +20.66% YoY).","Net interest margin 4.39% (up 2 bps QoQ, up 60 bps YoY); credit loss expense decreased to $0.40M from $0.76M Q3.","Nonaccrual loans fell to $2.90M from $7.58M end of 2024; Tier 1 leverage ratio 11.39%."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-26-004703","json":"https://secwatch.observer/filing/0001493152-26-004703.json","markdown":"https://secwatch.observer/filing/0001493152-26-004703.md","text":"https://secwatch.observer/filing/0001493152-26-004703.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226004703/0001493152-26-004703-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226004703/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:33:50.143539+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"}