---
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"
generated_at: "2026-05-15T04:10:37.999701+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# OptimumBank Q1 net income $4.7M ($0.20 diluted EPS), up 20% YoY; assets grow 14% QoQ

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-018855
- JSON: https://secwatch.observer/filing/0001493152-26-018855.json
- Plain text: https://secwatch.observer/filing/0001493152-26-018855.txt

## Key facts
- Earnings Releases
  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.
  - Period: the first quarter of 2026
  - 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
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1288855/000149315226018855/0001493152-26-018855-index.htm

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