secwatch.observer — SEC 8-K summary
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Issuer:     OptimumBank Holdings, Inc. (OPHC)
CIK:        0001288855
Form:       8-K
Filed at:   2026-02-02T23:59:59+00:00
Accession:  0001493152-26-004703
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1288855/000149315226004703/0001493152-26-004703-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1288855/000149315226004703/form8-k.htm
  HTML page:      https://secwatch.observer/filing/0001493152-26-004703

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