{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-26-007689","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2026-02-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.722780+00:00","generated_at":"2026-05-16T01:05:23.607863+00:00","sec_items":["8.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"OptimumBank forms OptimumFunding subsidiary for HUD/FHA lending platform","bullets":["Wholly-owned subsidiary OptimumFunding, LLC created to originate HUD- and FHA-insured loans.","Focus on bridge-to-HUD financing and government-insured loans for multifamily and skilled nursing properties.","Board approved dividend to parent; capital invested to support initial operations and platform build-out.","New platform complements existing core banking with a relationship-driven, single-source lending model.","Chairman Moishe Gubin says expansion expected to enhance profitability and shareholder value."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-26-007689","json":"https://secwatch.observer/filing/0001493152-26-007689.json","markdown":"https://secwatch.observer/filing/0001493152-26-007689.md","text":"https://secwatch.observer/filing/0001493152-26-007689.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226007689/0001493152-26-007689-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226007689/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T01:05:23.607863+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"}