Welcome to our dedicated page for Optimumbank Hold SEC filings (Ticker: OPHC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for OptimumBank Holdings, Inc. (OPHC), the Florida bank holding company for OptimumBank. Here, investors can review the company’s official regulatory disclosures, with real-time updates from EDGAR and AI-powered summaries that help explain the key points in each document.
For a commercial banking institution like OptimumBank, Form 10-K annual reports and Form 10-Q quarterly reports are central sources of information. These filings typically present detailed discussions of loan portfolio composition, deposit funding, net interest income, noninterest income, credit loss provisions, and capital ratios. AI-generated insights on this platform are designed to highlight important sections, such as management’s discussion and analysis, risk factors, and notes on allowance for credit losses and loan concentrations.
Form 8-K current reports are especially relevant for OPHC, as the company frequently uses them to furnish earnings press releases, investor presentations, and clarifications of public statements. Recent 8-K filings have covered quarterly financial results, a presentation on nine-month performance, amendments to the terms of Series B Preferred Stock, and a press release clarifying growth projections discussed on an earnings webcast. AI summaries can help users quickly understand what each 8-K item (such as Item 2.02 on results of operations or Item 5.03 on amendments to articles of incorporation) means in practical terms.
Investors tracking capital structure and equity issuance can use this page to locate filings related to at-the-market issuance agreements, prospectus supplements under the company’s shelf registration statement, and amendments involving preferred stock series. These documents explain how common and preferred shares, including Series B and Series C Preferred Stock, are treated in diluted share counts and financial disclosures.
In addition, Form 4 insider transaction reports, when available, provide details on share purchases or sales by directors and officers, complementing press releases that describe insider open-market purchases. By combining raw filings with AI explanations, this page helps users navigate complex regulatory documents, understand how OptimumBank reports its commercial banking activities, and follow changes in ownership, governance, and capital structure over time.
OptimumBank Holdings, Inc. filed a current report to note that it released a presentation describing aspects of its unaudited results of operations and financial condition for, and at the end of, the year ended December 31, 2025. The presentation, dated January 20, 2026, is furnished as an exhibit under items covering results of operations and Regulation FD disclosure.
The company states that this information, including the exhibits, is being furnished rather than filed, which means it is not subject to certain Exchange Act liabilities and will only be incorporated into other filings if specifically referenced.
Optimum Bank Holdings, Inc. has a shareholder planning to sell up to 39,304 shares of its common stock through broker Charles Schwab on or after 01/05/2026. The planned sale has an aggregate market value of $166,648.00, compared with 11,533,943 common shares outstanding for the company.
The seller originally acquired 40,000 common shares on 08/15/2021 in a cash purchase directly from Optimum Bank Holdings, Inc. under a transaction labeled as a purchase from the issuer. The notice also states that the person for whose account the shares are to be sold represents that they are not aware of any material adverse, non‑public information about the issuer’s current or prospective operations.
OptimumBank Holdings, Inc. director Michael Blisko reported an open-market purchase of the company’s common stock. On 12/04/2025, he bought 7,600 shares of OptimumBank Holdings common stock at a price of $4.09 per share in a transaction coded "P" for a purchase. Following this transaction, he beneficially owns 604,645 shares of OptimumBank Holdings common stock in direct form. This Form 4/A reflects activity by a board-level insider increasing his direct equity position in the company.
OptimumBank Holdings, Inc. reported an insider stock transaction by a director. On 12/04/2025, the director sold 7,600 shares of OptimumBank common stock at a price of $4.09 per share, coded as a sale transaction. After this trade, the director directly beneficially owned 604,645 shares of the company’s common stock. The filing was made on Form 4 and indicates the transaction involved only non-derivative common stock, with no derivative securities reported.
AllianceBernstein L.P. filed a Schedule 13G reporting beneficial ownership in OptimumBank Holdings Inc. (OPHC). The firm disclosed 652,860 shares of common stock, representing 5.6% of the class as of 09/30/2025.
AllianceBernstein reports sole voting power over 652,860 shares and sole dispositive power over 652,860 shares. The holdings were acquired solely for investment purposes on behalf of client discretionary investment advisory accounts. The filing certifies the securities were not acquired to change or influence control of OPHC.
OptimumBank Holdings, Inc. furnished a Form 8‑K announcing it issued a press release with unaudited results of operations and financial condition for the nine‑month period ended September 30, 2025.
The press release is included as Exhibit 99.1. The company states the information is furnished and not filed under the Exchange Act, and is not subject to Section 18 liability nor incorporated by reference unless specifically referenced.
OptimumBank Holdings (OPHC) reported stronger Q3 2025 results. Net earnings were $4,323 for the quarter and $11,795 for the nine months. Net interest income rose to $11,048 from $8,962 as deposit costs eased, with interest expense at $5,273 versus $6,372. Basic EPS was $0.37 and diluted EPS $0.18.
Total assets reached $1,083,043 as of September 30, 2025, driven by cash and equivalents of $235,086 and net loans of $802,812. Total deposits were $959,487. Federal Home Loan Bank advances were $0, down from $50,000 at year‑end. Stockholders’ equity increased to $116,888.
Credit quality metrics improved: the allowance for credit losses was $10,018 and nonaccrual loans were $2,975, down from $7,576 at December 31, 2024. Accumulated other comprehensive loss narrowed to $(4,753) from $(5,570). Shares outstanding were 11,533,943 as of November 10, 2025.
OptimumBank Holdings, Inc. (OPHC) furnished an investor presentation outlining aspects of its unaudited results of operations and financial condition for the nine-month period ended September 30, 2025. The presentation is included as Exhibit 99.1.
The company states this information is being furnished, not filed, and is therefore not subject to liability under Section 18 of the Exchange Act, nor incorporated by reference into other filings unless specifically referenced. OPHC’s common stock trades on the NYSE American.
OptimumBank Holdings, Inc. reported that, effective October 1, 2025, it adopted articles of amendment to its articles of incorporation to amend and restate the terms of its Series B preferred stock. The change makes the terms of the Series B preferred stock conform, in all material respects, to the company’s Series C preferred stock. The Series B preferred stock will now be included in diluted common shares and in related financial disclosures such as diluted earnings per share, which will affect how future per-share figures are presented. The amended and restated certificate of designation for the Series B preferred stock is included as an exhibit.
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