---
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"
generated_at: "2026-05-17T18:58:26.904988+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# OptimumBank Q2 net income $3.6M, EPS $0.29; NIM expands to 4.32%, deposits up $25.9M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001641172-25-022422
- JSON: https://secwatch.observer/filing/0001641172-25-022422.json
- Plain text: https://secwatch.observer/filing/0001641172-25-022422.txt

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