{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-26-018855","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2026-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.095298+00:00","generated_at":"2026-05-15T04:10:37.999701+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"OptimumBank Q1 net income $4.7M ($0.20 diluted EPS), up 20% YoY; assets grow 14% QoQ","bullets":["Net income $4.7M vs $3.9M YoY; diluted EPS $0.20 vs $0.17 YoY.","Net interest margin 4.49%, up 10bps QoQ and 43bps YoY; net interest income $13.2M.","Gross loans $1.09B, up 13.8% QoQ; deposits $1.09B, up 17.3% QoQ.","Noninterest expenses $8.0M, up from $6.7M Q4 2025, driven by compensation costs.","Tangible book value $10.43 per share (down QoQ due to preferred conversion); diluted TBV $5.37 (+14.9% annualized)."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-26-018855","json":"https://secwatch.observer/filing/0001493152-26-018855.json","markdown":"https://secwatch.observer/filing/0001493152-26-018855.md","text":"https://secwatch.observer/filing/0001493152-26-018855.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226018855/0001493152-26-018855-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226018855/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:10:37.999701+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":[{"claim_id":"1bcc66765627cbdef2a9738e910495bb3ce5399a","claim":"OptimumBank Holdings, Inc. reported the first quarter of 2026 results: net income $4.7 million, or $0.39 per basic share, and $0.20 per diluted share, EPS $0.39 per basic share, and $0.20 per diluted share.","evidence_excerpt":"The Company is pleased to announce net income of $4.7 million, or $0.39 per basic share, and $0.20 per diluted share, for the first quarter of 2026.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226018855/0001493152-26-018855-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2026"},{"label":"Net income","value":"$4.7 million, or $0.39 per basic share, and $0.20 per diluted share"},{"label":"EPS","value":"$0.39 per basic share, and $0.20 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}