Every 10-Q that OptimumBank Holdings, Inc. (OPHC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow OPHC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full OPHC filings page.
OptimumBank Holdings, Inc. reported strong growth for the six months ended June 30, 2026. Total assets rose to $1.4 billion from $1.1 billion at December 31, 2025, driven mainly by a $257.1 million increase in net loans to $1.2 billion. Deposits grew to $1.21 billion, up $282.3 million over year-end.
Net income for the first half of 2026 was $11.3 million, compared with $7.5 million a year earlier, with basic EPS of $0.79 and diluted EPS of $0.48. Return on average assets was 1.81% and return on average equity 17.81%. Net interest income increased to $27.9 million for the six months, supported by higher loan balances, while credit costs remained modest with a total credit loss expense of $0.7 million and an allowance for credit losses of $11.0 million.
Stockholders’ equity rose to $134.4 million, though the equity-to-assets ratio declined to 9.59%. The company completed exchanges of all outstanding Series B and C preferred shares into 11.46 million shares of Nonvoting Common Stock and raised $0.95 million of additional common equity under its at-the-market program. The bank remained well capitalized, with Tier 1 capital to total assets of 10.54%, and continued executing its strategic plan focused on commercial real estate, specialized lending subsidiaries, and treasury management growth.
OptimumBank Holdings, Inc. reported stronger results for the three months ended March 31, 2026. Total assets rose to $1.27 billion from $1.11 billion as loans grew to $1.09 billion and deposits to $1.09 billion. Net income increased to $4.7 million, with basic and diluted EPS of $0.39 and $0.20, up from $0.33 and $0.17 a year earlier. Net interest income climbed to $13.2 million, and net interest margin improved to 4.49%. The allowance for credit losses was $11.1 million, or 1.01% of loans. The Bank remained well capitalized, with Tier 1 capital to total assets of 10.74%. The company continued raising equity through its ATM program, exchanged preferred shares for common stock, and outlined plans to convert preferred shares into nonvoting common stock.
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. 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%.