---
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"
generated_at: "2026-05-16T01:05:23.607863+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# OptimumBank forms OptimumFunding subsidiary for HUD/FHA lending platform

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-007689
- JSON: https://secwatch.observer/filing/0001493152-26-007689.json
- Plain text: https://secwatch.observer/filing/0001493152-26-007689.txt

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