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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 results for the quarter ended June 30, 2025. Total assets increased to $999.1 million from $932.9 million, driven by a rise in cash and cash equivalents to $181.8 million from $93.6 million. Deposits grew to $878.9 million from $772.2 million while net loans declined to $774.5 million from $795.0 million.
Net earnings for the quarter were $3.602 million versus $3.496 million a year earlier and $7.472 million for the six months ended June 30, 2025 versus $5.873 million a year earlier. Net interest income was $10.242 million for the quarter and $19.668 million for six months. Credit loss expense was $1.040 million in the quarter; the allowance for credit losses totaled $9.338 million (1.19% of loans). Accumulated other comprehensive loss includes $7.25 million of unrealized AFS security losses. Regulatory capital remains above well-capitalized thresholds with Tier 1 at 11.89%.
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