{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-26-034476","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2026-07-24T12:00:25+00:00","discovered_at":"2026-07-24T12:05:00.270378+00:00","generated_at":"2026-07-24T12:05:29.785009+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"OptimumBank Q2 2026 net income $6.7M, up 85% YoY; diluted EPS $0.28","bullets":["Net income $6.7M ($0.40 basic, $0.28 diluted) vs $3.6M ($0.31 basic, $0.15 diluted) in Q2 2025.","Gross loans grew $126.2M to $1.22B; deposits up $121.2M to $1.21B from prior quarter.","Net interest margin expanded to 4.57% from 4.32% YoY; ROAA 2.04%, ROAE 20.34%.","Leadership transition completed: Moishe Gubin became CEO effective May 1, 2026; Braden Smith joined as President.","Credit loss reversal of $0.4M; nonaccrual loans $2.1M, down from $3.2M YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-26-034476","json":"https://secwatch.observer/filing/0001493152-26-034476.json","markdown":"https://secwatch.observer/filing/0001493152-26-034476.md","text":"https://secwatch.observer/filing/0001493152-26-034476.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226034476/0001493152-26-034476-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226034476/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-24T12:05:29.785009+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"}