---
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"
generated_at: "2026-05-16T05:33:50.143539+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# OptimumBank Q4 net earnings $4.85M ($0.21 diluted EPS); FY2025 net $16.64M ($0.71 diluted EPS)

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-004703
- JSON: https://secwatch.observer/filing/0001493152-26-004703.json
- Plain text: https://secwatch.observer/filing/0001493152-26-004703.txt

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