{"schema_version":"secwatch.filing_event.v1","accession":"0001641172-25-022422","form_type":"8-K","ticker":"OPHC","cik":"0001288855","company_name":"OptimumBank Holdings, Inc.","filed_at":"2025-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.592509+00:00","generated_at":"2026-05-17T18:58:26.904988+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"OptimumBank Q2 net income $3.6M, EPS $0.29; NIM expands to 4.32%, deposits up $25.9M","bullets":["Net earnings $3.60M ($0.31 basic, $0.29 diluted EPS) vs $3.87M in Q1 and $3.50M in Q2 2024.","Net interest margin improved to 4.32% from 4.06% in Q1 and 3.79% in Q2 2024; cost of interest-bearing liabilities fell to 3.49%.","Total deposits grew $25.93M to $878.87M; noninterest-bearing demand deposits increased to $259.82M from $235.78M.","Nonaccrual loans dropped sharply to $3.22M from $7.51M at March 31, 2025; loans decreased $15.68M due to payoffs.","Tier 1 capital ratio 11.89%; tangible book value per share $9.48, up from $9.19."],"urls":{"canonical":"https://secwatch.observer/filing/0001641172-25-022422","json":"https://secwatch.observer/filing/0001641172-25-022422.json","markdown":"https://secwatch.observer/filing/0001641172-25-022422.md","text":"https://secwatch.observer/filing/0001641172-25-022422.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1288855/000164117225022422/0001641172-25-022422-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1288855/000164117225022422/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T18:58:26.904988+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"}