---
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"
generated_at: "2026-07-24T12:05:29.785009+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# OptimumBank Q2 2026 net income $6.7M, up 85% YoY; diluted EPS $0.28

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-034476
- JSON: https://secwatch.observer/filing/0001493152-26-034476.json
- Plain text: https://secwatch.observer/filing/0001493152-26-034476.txt

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