{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-26-039232","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2026-08-19T20:43:15+00:00","discovered_at":"2026-08-19T20:45:00.491528+00:00","generated_at":"2026-08-19T20:45:06.976292+00:00","sec_items":["1.01","2.03","7.01","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"OptimumBank issues $35M subordinated notes, 7.5% fixed-to-floating due 2036","bullets":["Sold $35.0M aggregate principal of 7.50% Fixed-to-Floating Rate Subordinated Notes due 2036 at 100% face value.","Fixed rate 7.50% through Aug 31, 2031, then resets quarterly to 3-month SOFR plus 340 basis points.","Redeemable at company's option on/after September 1, 2031; maturity September 1, 2036.","Net proceeds for general corporate purposes; notes intended to qualify as Tier 2 capital.","Private placement under Rule 506(b); registration rights agreement requires exchange offer for registered notes."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-26-039232","json":"https://secwatch.observer/filing/0001493152-26-039232.json","markdown":"https://secwatch.observer/filing/0001493152-26-039232.md","text":"https://secwatch.observer/filing/0001493152-26-039232.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226039232/0001493152-26-039232-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000149315226039232/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-19T20:45:06.976292+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"}