---
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"
generated_at: "2026-08-19T20:45:06.976292+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# OptimumBank issues $35M subordinated notes, 7.5% fixed-to-floating due 2036

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: debt
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01, 2.03, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-039232
- JSON: https://secwatch.observer/filing/0001493152-26-039232.json
- Plain text: https://secwatch.observer/filing/0001493152-26-039232.txt

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